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FUND PARTICIPATION AGREEMENT

This Agreement is entered into as of the 1st day of January, 2005 between {{firstName}} {{lastName}}, a private individual born on {{dateOfBirth}}; (“Investor”), and Dreyfus Investment Portfolios (the “Fund”).

ARTICLE I
DEFINITIONS

1.1 “Act” shall mean the Investment Company Act of 1940, as amended.

1.2 “Board” shall mean the Board of Directors or Trustees, as the case may be, of a Fund, which has the responsibility for management and control of the Fund.

1.3 “Business Day” shall mean any day for which a Fund calculates net asset value per Share (as deﬁned below) as described in the Fund’s Prospectus.

1.4 “Commission” shall mean the Securities and Exchange Commission.

1.5 “Contract” shall mean a variable annuity or variable life insurance contract that uses any Participating Fund (as deﬁned below) as an underlying investment medium. Individuals who participate under a group Contract are “Participants.”

1.6 “Contract holder” shall mean any entity that is a party to a Contract with a Participating Company (as deﬁned below).

1.7 “Disinterested Board Members” shall mean those members of the Board of a Fund that are not deemed to be “interested persons” of the Fund, as deﬁned by the Act.

1.9 “Investor’s General Account(s)” shall mean the personal account(s) of Investor that invests in Shares (as deﬁned below) of a Participating Fund.

1.10 “Participating Companies” shall mean any Investor (including Investor) that oﬀers variable annuity and/or variable life insurance contracts to the public and that has entered into an agreement with one or more of the Funds.

1.11 “Participating Fund” shall mean each Fund, including, as applicable, any series thereof, speciﬁed in Exhibit A, as such Exhibit may be amended from time to time by agreement of the parties hereto, the Shares (as deﬁned below) of which

are available to serve as the underlying investment medium for the aforesaid Contracts.

1.12 “Prospectus” shall mean the current prospectus and statement of additional information of a Fund, relating to its Shares (as deﬁned below), as most recently ﬁled with the Commission.

1.13 “Separate Account” shall mean Standard Investor Separate Account C, a separate account established by Investor in accordance with the laws of the State of Oregon.

1.14 “Shares” shall mean (i) each class of shares of a Participating Fund set forth on Exhibit A next to the name of such Participating Fund, as such Exhibit may be revised from time to time, or (ii) if no class of shares is set forth on Exhibit A next to the name of such Participating Fund, the shares of the Participating Fund.

1.15 “Software Program” shall mean the software program used by a Fund for providing Fund and account balance information including net asset value per Share. Such Program may include the Lion System. In situations where the Lion System or any other Software Program used by a Fund is not available, such information may be provided by telephone. The Lion System shall be provided to Investor at no charge.

ARTICLE II
REPRESENTATIONS

2.1 Investor represents and warrants that (a) it is an Investor duly organized and in good standing under applicable law; (b) it has legally and validly established the Separate Account pursuant to the insurance laws of the State of Oregon and the regulations thereunder for the purpose of oﬀering to the public certain individual and group variable annuity and variable life insurance contracts; (c) it has registered the Separate Account as a unit investment trust under the Act to serve as the segregated investment account for the Contracts; and (d) the Separate Account is eligible to invest in Shares of each Participating Fund without such investment disqualifying any Participating Fund as an investment medium for Investor separate accounts supporting variable annuity contracts or variable life insurance contracts.

2.2 Investor represents and warrants that (a) the Contracts will be described in a registration statement ﬁled under the Securities Act of 1933, as amended (“1933 Act”); (b) the Contracts will be issued and sold in compliance in all material respects with all applicable federal and state laws; and (c) the sale of the Contracts shall comply in all material respects with state insurance law requirements. Investor agrees to notify each Participating Fund

promptly of any investment restrictions imposed by state insurance law and applicable to the Participating Fund.

2.3 Investor represents and warrants that the income, gains and losses, whether or not realized, from assets allocated to the Separate Account are, in accordance with the applicable Contracts, to be credited to or charged against such Separate Account without regard to other income, gains or losses from assets allocated to any other accounts of Investor. Investor represents and warrants that the assets of the Separate Account are and will be kept separate from Investor’s General Account and any other separate accounts Investor may have, and will not be charged with liabilities from any business that Investor may conduct or the liabilities of any companies aﬃliated with Investor.

2.4 Each Participating Fund represents that it is registered with the Commission under the Act as an open-end, management investment company and possesses, and shall maintain, all legal and regulatory licenses, approvals, consents and/or exemptions required for the Participating Fund to operate and oﬀer its Shares as an underlying investment medium for Participating Companies.

2.5 Each Participating Fund represents that it is currently qualiﬁed as a regulated investment company under Subchapter M of the Internal Revenue Code of 1986, as amended (the “Code”), and that it will make every eﬀort to maintain such qualiﬁcation (under Subchapter M or any successor or similar provision) and that it will notify Investor immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future.

2.6 Investor represents and agrees that the Contracts are currently, and at the time of issuance will be, treated as life insurance policies or annuity contracts, whichever is appropriate, under applicable provisions of the Code, and that it will make every eﬀort to maintain such treatment and that it will notify each Participating Fund and Dreyfus immediately upon having a reasonable basis for believing that the Contracts have ceased to be so treated or that they might not be so treated in the future. Investor agrees that any prospectus oﬀering a Contract that is a “modiﬁed endowment contract,” as that term is deﬁned in Section 7702A of the Code, will identify such Contract as a modiﬁed endowment contract (or policy).

2.7 Each Participating Fund agrees that its assets shall be managed and invested in a manner that complies with the requirements of Section 817(h) of the Code.

2.8 Investor agrees that each Participating Fund shall be permitted (subject to the other terms of this Agreement) to make its shares available to other Participating Companies and Contract holders.

2.9 Each Participating Fund represents and warrants that any of its directors, trustees, oﬃcers, employees, investment advisers, and other individuals/entities who deal with the money and/or securities of the Participating Fund are and shall continue to be at all times covered by a blanket ﬁdelity bond or similar coverage for the beneﬁt of the Participating Fund in an amount not less than that required by Rule 17g-1 under the Act. The aforesaid Bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company.

2.10 Investor represents and warrants that all of its employees and agents who deal with the money and/or securities of each Participating Fund are and shall continue to be at all times covered by a blanket ﬁdelity bond or similar coverage in an amount not less than the coverage required to be maintained by the Participating Fund. The aforesaid Bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company.

2.11 Investor agrees that Dreyfus shall be deemed a third party beneﬁciary under this Agreement and may enforce any and all rights conferred by virtue of this Agreement.

ARTICLE III
FUND SHARES

3.1 The Contracts funded through the Separate Account will provide for the investment of certain amounts in Shares of each Participating Fund.

3.2 Each Participating Fund agrees to make its Shares available for purchase at the then applicable net asset value per Share by Investor and the Separate Account on each Business Day pursuant to rules of the Commission. Notwithstanding the foregoing, each Participating Fund may refuse to sell its Shares to any person, or suspend or terminate the oﬀering of its Shares, if such action is required by law or by regulatory authorities having jurisdiction or is, in the sole discretion of its Board, acting in good faith and in light of its ﬁduciary duties under federal and any applicable state laws, necessary and in the best interests of the Participating Fund’s shareholders.

3.3 Each Participating Fund agrees that shares of the Participating Fund will be sold only to (a) Participating Companies and their separate accounts or (b) “qualiﬁed pension or retirement plans” as determined under Section 817(h)(4) of the Code. Except as otherwise set forth in this Section 3.3, no shares of any Participating Fund will be sold to the general public.

3.4 Each Participating Fund shall use its best eﬀorts to provide closing net asset value, dividend and capital gain information on a per Share basis to Investor by 6:00 p.m. Eastern time on each Business Day. Any material errors in the calculation of net asset value, dividend and capital gain information shall be reported immediately upon discovery to Investor. Non-material errors will be corrected in the next Business Day’s net asset value per Share.

3.5 At the end of each Business Day, Investor will use the information described in Sections 3.2 and 3.4 to calculate the unit values of the Separate Account for the day. Using this unit value, Investor will process the day’s Separate Account transactions received by it by the close of trading on the ﬂoor of the New York Stock Exchange (currently 4:00 p.m. Eastern time) to determine the net dollar amount of the Shares of each Participating Fund that will be purchased or redeemed at that day’s closing net asset value per Share. The net purchase or redemption orders will be transmitted to each Participating Fund by Investor by 11:00 a.m. Eastern time on the Business Day next following Investor’s receipt of that information. Subject to Sections 3.6 and 3.8, all purchase and redemption orders for Investor’s General Accounts shall be eﬀected at the net asset value per Share of each Participating Fund next calculated after receipt of the order by the Participating Fund or its Transfer Agent.

3.6 Each Participating Fund appoints Investor as its agent for the limited purpose of accepting orders for the purchase and redemption of Shares of the Participating Fund for the Separate Account. Each Participating Fund will execute orders at the applicable net asset value per Share determined as of the close of trading on the day of receipt of such orders by Investor acting as agent (“eﬀective trade date”), provided that the Participating Fund receives notice of such orders by 11:00 a.m. Eastern time on the next following Business Day and, if such orders request the purchase of Shares of the Participating Fund, the conditions speciﬁed in

Section 3.8, as applicable, are satisﬁed. A redemption or purchase request that does not satisfy the conditions speciﬁed above and in Section 3.8, as applicable, will be eﬀected at the net asset value per Share computed on the Business Day immediately preceding the next following Business Day upon which such conditions have been satisﬁed in accordance with the requirements of this Section and Section 3.8. Investor represents and warrants that all orders submitted by the Investor for execution on the eﬀective trade date shall represent purchase or redemption orders received from Contract holders prior to the close of trading on the New York Stock Exchange on the eﬀective trade date.

3.7 Investor will make its best eﬀorts to notify each applicable Participating Fund in advance of any unusually large purchase or redemption orders.

3.8 If Investor’s order requests the purchase of Shares of a Participating Fund, Investor will pay for such purchases by wiring Federal Funds to the Participating Fund or its designated custodial account on the day the order is transmitted. Investor shall make all reasonable eﬀorts to transmit to the applicable Participating Fund payment in Federal Funds by 12:00 noon Eastern time on the Business Day the Participating Fund receives the notice of the order pursuant to Section 3.5. Each applicable Participating Fund will execute such orders at the applicable net asset value per Share determined as of the close of trading on the eﬀective trade date if the Participating Fund receives payment in Federal Funds by 12:00 midnight Eastern time on the Business Day the Participating Fund receives the notice of the order pursuant to Section 3.5. If payment in Federal Funds for any purchase is not received or is received by a Participating Fund after 12:00 noon Eastern time on such Business Day, Investor shall promptly, upon each applicable Participating Fund’s request, reimburse the respective Participating Fund for any charges, costs, fees, interest or other expenses incurred by the Participating Fund in connection with any advances to, or borrowings or overdrafts by, the Participating Fund, or any similar expenses incurred by the Participating Fund, as a result of portfolio transactions eﬀected by the Participating Fund based upon such purchase request. If Investor’s order requests the redemption of any Shares of a Participating Fund valued at or greater than $1 million dollars, the Participating Fund will wire such amount to Investor within seven days of the order.

3.9 Each Participating Fund has the obligation to ensure that its Shares are registered with applicable federal agencies at all times.

3.10 Each Participating Fund will conﬁrm each purchase or redemption order made by Investor.

Transfers of Shares of a Participating Fund will be by book entry only. No share certiﬁcates will be issued to Investor. Investor will record Shares ordered from a Participating Fund in an appropriate title for the corresponding account.

3.11 Each Participating Fund shall credit Investor with the appropriate number of Shares. 3.12On each ex-dividend date of a Participating Fund or, if not a Business Day, on the ﬁrst Business Day thereafter, each Participating Fund shall communicate to Investor the amount of dividend and

capital gain, if any, per Share. All dividends and capital gains shall be automatically reinvested in additional Shares of the applicable Participating Fund at the net asset value per Share on the ex-dividend date. Each Participating Fund shall, on the day after the ex-dividend date or, if not a Business Day, on the ﬁrst Business Day thereafter, notify Investor of the number of Shares so issued.

3.13To the extent that a Separate Account is properly exempt from registration under the Act, at least once annually, at the request of a Participating Fund, or its designee, Investor will certify the amount of purchases and redemptions of fund shares from such Separate Account for the Participating Fund’s most recent ﬁscal year end.

ARTICLE IV
STATEMENTS AND REPORTS

4.1 Each Participating Fund shall provide monthly statements of account as of the end of each month for all of Investor’s accounts by the ﬁfteenth (15th) Business Day of the following month.

4.2 Each Participating Fund shall distribute to Investor copies of the Participating Fund’s Prospectuses, proxy materials, notices, periodic reports and other printed materials (which the Participating Fund customarily provides to the holders of its Shares) in quantities as Investor may reasonably request for distribution to each Contractholder and Participant. Investor may elect to print the Participating Fund’s prospectus and/or its statement of additional information in combination with other fund companies’ prospectuses and statements of additional information, which are also oﬀered in Investor’s insurance product at its own cost. At Investor’s request, the Participating Fund will provide, in lieu of printed documents, camera-ready copy or diskette of prospectuses, annual and semi-annual reports for printing by the Investor.

4.3 Each Participating Fund will provide to Investor at least one complete copy of all registration statements, Prospectuses, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Participating Fund or its Shares (except for such materials that are designed only for a class of shares of a Participating Fund not oﬀered to the Investor pursuant to this Agreement), contemporaneously with the ﬁling of such document with the Commission or other regulatory authorities.

4.4 Investor will provide to each Participating Fund at least one copy of all registration statements, Prospectuses, reports, proxy statements, sales literature and other promotional materials, applications for exemptions, requests for no-action letters, and all amendments to any of the above, that relate to the Contracts or the Separate Account, contemporaneously with the ﬁling of such document with the Commission.

4.5 Investor will provide Participating Funds on a semi-annual basis, or more frequently as reasonably requested by the Participating Funds, with a current tabulation of the number of existing Variable Contract owners of Investor whose Variable Contract values are invested in the

Participating Funds. This tabulation will be sent to Participating Funds in the form of a letter signed by a duly authorized oﬃcer of the Investor attesting to the accuracy of the information contained in the letter.

ARTICLE V
EXPENSES

5.1 The charge to each Participating Fund for all expenses and costs of the Participating Fund, including but not limited to management fees, Rule 12b-1 fees, if any, administrative expenses and legal and regulatory costs, will be included in the determination of the Participating Fund’s daily net asset value per Share.

5.2 Except as provided in Article IV and V, in particular in the next sentence, Investor shall not be required to pay directly any expenses of any Participating Fund or expenses relating to the distribution of its Shares. Investor shall pay the following expenses or costs:

1. Such amount of the production expenses of any Participating Fund materials, including the cost of printing a Participating Fund’s Prospectus, or marketing materials for prospective Investor Contract holders and Participants as Dreyfus and Investor shall agree from time to time.
2. Distribution expenses of any Participating Fund materials or marketing materials for prospective Investor Contract holders and Participants.
3. Distribution expenses of any Participating Fund materials or marketing materials for Investor Contract holders and Participants.

A Participating Fund’s principal underwriter may pay Investor, or the broker-dealer acting as principal underwriter for the Investor’s Contracts, for distribution and other services related to the Shares of the Participating Fund pursuant to any distribution plan adopted by the Participating Fund in accordance with Rule 12b-1 under the Act, subject to the terms and conditions of an agreement between the Participating Fund’s principal underwriter and Investor or the principal underwriter for the Investor’s Contracts, as applicable, related to such plan.

Except as provided herein, all other expenses of each Participating Fund shall not be borne by Investor.

ARTICLE VI
EXEMPTIVE RELIEF

6.1 Investor has reviewed a copy of the order dated February 5, 1998 of the Commission under Section 6(c) of the Act with respect to Dreyfus Investment

Portfolios, and, in particular, has reviewed the conditions to the relief set forth in the Notice. As set forth therein, if Dreyfus Investment Portfolios is a Participating Fund, Investor agrees, as applicable, to report any potential or existing conﬂicts promptly to the Board of Dreyfus Investment Portfolios,

and, in particular, whenever contract voting instructions are disregarded, and recognizes that it will be responsible for assisting the Board in carrying out its responsibilities under such application. Investor agrees to carry out such responsibilities with a view to the interests of existing Contract holders.

6.2 If a majority of the Board, or a majority of Disinterested Board Members, determines that a material irreconcilable conﬂict exists with regard to Contractholder investments in a Participating Fund, the Board shall give prompt notice to all Participating Companies and any other Participating Fund. If the Board determines that Investor is responsible for causing or creating said conﬂict, Investor shall at its sole cost and expense, and to the extent reasonably practicable (as determined by a majority of the Disinterested Board Members), take such action as is necessary to remedy or eliminate the irreconcilable material conﬂict. Such necessary action may include, but shall not be limited to:

a. Withdrawing the assets allocable to the Separate Account from the Participating Fund and reinvesting such assets in another Participating Fund (if applicable) or a diﬀerent investment medium, or submitting the question of whether such segregation should be implemented to a vote of all aﬀected Contract holders; and/or

b. Establishing a new registered management investment company.

6.3 If a material irreconcilable conﬂict arises as a result of a decision by Investor to disregard Contractholder voting instructions and said decision represents a minority position or would preclude a majority vote by all Contract holders having an interest in a Participating Fund, Investor may be required, at the Board’s election, to withdraw the investments of the Separate Account in that Participating Fund.

6.4 For the purpose of this Article, a majority of the Disinterested Board Members shall determine whether or not any proposed action adequately remedies any irreconcilable material conﬂict, but in no event will any Participating Fund be required to bear the expense of establishing a new funding medium for any Contract. Investor shall not be required by this Article to establish a new funding medium for any Contract if an oﬀer to do so has been declined by vote of a majority of the Contract holders materially adversely aﬀected by the irreconcilable material conﬂict.

6.5 No action by Investor taken or omitted, and no action by the Separate Account or any Participating Fund taken or omitted as a result of any act or failure to act by Investor pursuant to this Article VI, shall relieve Investor of its obligations under, or otherwise aﬀect the operation of, Article V.

ARTICLE VII
VOTING SHARES OF PARTICIPATING FUND

7.1 Each Participating Fund shall provide Investor with copies, at no cost to Investor, of the Participating Fund’s proxy materials, reports to shareholders and other communications to shareholders (except for such materials that are designed only for a class of shares of a Participating Fund not oﬀered to the Investor pursuant to this Agreement) in such quantity as Investor shall reasonably require for distributing to Contract holders or Participants.

Investor shall:

(a) solicit voting instructions from Contract holders or Participants on a timely basis and in accordance with applicable law;

(b) vote the Shares of the Participating Fund in accordance with instructions received from Contract holders or Participants; and

(c) vote the Shares of the Participating Fund for which no instructions have been received in the same proportion as Shares of the Participating Fund for which instructions have been received.

Investor agrees at all times to vote Shares held by Investor’s General Account in the same proportion as Shares of the Participating Fund for which instructions have been received from Contract holders or Participants. Investor further agrees to be responsible for assuring that voting the Shares of the Participating Fund for the Separate Account is conducted in a manner consistent with other Participating Companies.

7.2 Investor agrees that it shall not, without the prior written consent of each applicable Participating Fund and Dreyfus, solicit, induce or encourage Contract holders to (a) change or supplement the Participating Fund’s current investment adviser or (b) change, modify, substitute, add to or delete from the current investment media for the Contracts.

ARTICLE VIII
MARKETING AND REPRESENTATIONS

8.1 Each Participating Fund or its principal underwriter shall periodically furnish Investor with the following documents relating to the Shares of the Participating Fund, in quantities as Investor may reasonably request:

1. a. Current Prospectus and any supplements thereto; and
2. b. Other marketing materials.

Expenses for the production of such documents shall be borne by Investor in accordance with Section 5.2 of this Agreement.

8.2 Investor shall designate certain persons or entities that shall have the requisite licenses to solicit applications for the sale of Contracts. No representation is made as to the number or amount of Contracts that are to be sold by Investor. Investor shall make reasonable eﬀorts to market the Contracts and shall comply with all applicable federal and state laws in connection therewith.

8.3 Investor shall furnish, or shall cause to be furnished, to each applicable Participating Fund or its designee, each piece of sales literature or other promotional material in which the Participating Fund, its investment adviser or the administrator is named, at least ﬁfteen Business Days prior to its use. No such material shall be used unless the Participating Fund or its designee approves such material. Such approval (if given) must be in writing and shall be presumed not given if not received within ten Business Days after receipt of such material. Each applicable Participating Fund or its designee, as the case may be, shall use all reasonable eﬀorts to respond within ten days of receipt.

8.4 Investor shall not give any information or make any representations or statements on behalf of a Participating Fund or concerning a Participating Fund in connection with the sale of the Contracts other than the information or representations contained in the registration statement or Prospectus of, as may be amended or supplemented from time to time, or in reports or proxy statements for, the applicable Participating Fund, or in sales literature or other promotional material approved by the applicable Participating Fund.

8.5 Each Participating Fund shall furnish, or shall cause to be furnished, to Investor, each piece of the Participating Fund’s sales literature or other promotional material in which Investor or the Separate Account is named, at least ﬁfteen Business Days prior to its use. No such material shall be used unless Investor approves such material. Such approval (if given) must be in writing and shall be presumed not given if not received within ten Business Days after receipt of such material. Investor shall use all reasonable eﬀorts to respond within ten days of receipt.

8.6 Each Participating Fund shall not, in connection with the sale of Shares of the Participating Fund, give any information or make any representations on behalf of Investor or concerning Investor, the Separate Account, or the Contracts other than the information or representations contained in a registration statement or prospectus for the Contracts, as may be amended or supplemented from time to time, or in published reports for the Separate Account that are in the public domain or approved by Investor for distribution to Contract holders or Participants, or in sales literature or other promotional material approved by Investor.

8.7 For purposes of this Agreement, the phrase “sales literature or other promotional material” or words of similar import include, without limitation, advertisements (such as material published, or designed for use, in a newspaper, magazine or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures or other public media), sales literature (such as any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, or reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents or employees, registration statements, prospectuses, statements of additional

information, shareholder reports and proxy materials, and any other material constituting sales literature or advertising under National Association of Securities Dealers, Inc. rules, the Act or the 1933 Act.

ARTICLE IX
INDEMNIFICATION

9.1 Investor agrees to indemnify and hold harmless each Participating Fund, Dreyfus, each respective Participating Fund’s investment adviser and sub-investment adviser (if applicable), each respective Participating Fund’s distributor, and their respective aﬃliates, and each of their directors, trustees, oﬃcers, employees, agents and each person, if any, who controls or is associated with any of the foregoing entities or persons within the meaning of the 1933 Act (collectively, the “Indemniﬁed Parties” for purposes of Section 9.1), against any and all losses, claims, damages or liabilities joint or several (including any investigative, legal and other expenses reasonably incurred in connection with, and any amounts paid in settlement of, any action, suit or proceeding or any claim asserted) for which the Indemniﬁed Parties may become subject, under the 1933 Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) (i) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in information furnished by Investor for use in the registration statement or Prospectus or sales literature or advertisements of the respective Participating Fund or with respect to the Separate Account or Contracts, or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading;

(ii) arise out of or as a result of conduct, statements or representations (other than statements or representations contained in the Prospectus and sales literature or advertisements of the respective Participating Fund) of Investor or its agents, with respect to the sale and distribution of Contracts for which the Shares of the respective Participating Fund are an underlying investment; (iii) arise out of the wrongful conduct of Investor or persons under its control with respect to the sale or distribution of the Contracts or the Shares of the respective Participating Fund; (iv) arise out of Investor’s incorrect calculation and/or untimely reporting of net purchase or redemption orders; or (v) arise out of any breach by Investor of a material term of this Agreement or as a result of any failure by Investor to provide the services and furnish the materials or to make any payments provided for in this Agreement. Investor will reimburse any Indemniﬁed Party in connection with investigating or defending any such loss, claim, damage, liability or action; provided, however, that with respect to clauses (i) and (ii) above Investor will not be liable in any such case to the extent that any such loss, claim, damage or liability arises out of or is based upon any untrue statement or omission or alleged omission made in such registration statement, prospectus, sales literature, or advertisement in conformity with written information furnished to Investor by the respective Participating Fund speciﬁcally for use therein. This indemnity agreement will be in addition to any liability which Investor may otherwise have.

9.2 Each Participating Fund and The Dreyfus Corporation severally agree to indemnify and hold harmless Investor and each of its directors, oﬃcers, employees, agents and each person, if any, who controls Investor within the meaning of the 1933 Act against any losses, claims, damages or liabilities to which Investor or any such director, oﬃcer, employee, agent or controlling person may become subject, under the 1933 Act or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) (i) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement or Prospectus or sales literature or advertisements of the respective Participating Fund; (ii) arise out of or are based upon the omission to state in the registration statement or Prospectus or sales literature or advertisements of the respective Participating Fund any material fact required to be stated therein or necessary to make the statements therein not misleading; or (iii) arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the registration statement or Prospectus or sales literature or advertisements with respect to the Separate Account or the Contracts and such statements were based on information provided to Investor by the respective Participating Fund; and the respective Participating Fund will reimburse any legal or other expenses

reasonably incurred by Investor or any such director, oﬃcer, employee, agent or controlling person in connection with investigating or defending any such loss, claim, damage, liability or action; provided, however, that the respective Participating Fund will not be liable in any such case to the extent that any such loss, claim, damage or liability arises out of or is based upon an untrue statement or omission or alleged omission made in such registration statement, Prospectus, sales literature or advertisements in conformity with written information furnished to the respective Participating Fund by Investor speciﬁcally for use therein. This indemnity agreement will be in addition to any liability which the respective Participating Fund may otherwise have.

9.3 Each Participating Fund severally shall indemnify and hold Investor harmless against any and all liability, loss, damages, costs or expenses which Investor may incur, suﬀer or be required to pay due to the respective Participating Fund’s (i) incorrect calculation of the daily net asset value, dividend rate or capital gain distribution rate; (ii) incorrect reporting of the daily net asset value, dividend rate or capital gain distribution rate; and (iii) untimely reporting of the net asset value, dividend rate or capital gain distribution rate; provided that the respective Participating Fund shall have no obligation to indemnify and hold harmless Investor if the incorrect calculation or incorrect or untimely reporting was the result of incorrect information furnished by Investor or information furnished untimely by Investor or otherwise as a result of or relating to a breach of this Agreement by Investor.

9.4 Promptly after receipt by an indemniﬁed party under this Article of notice of the commencement of any action, such indemniﬁed party will, if a claim in respect thereof is to be made against the indemnifying party under this Article, notify the indemnifying party of the commencement thereof. The omission to so notify the indemnifying party will not relieve the indemnifying party from any liability under this Article IX, except to the extent that the omission results in a failure of actual notice to the indemnifying party and such indemnifying party is damaged solely as a result of the failure to give such notice. In case any such action is brought

against any indemniﬁed party, and it notiﬁed the indemnifying party of the commencement thereof, the indemnifying party will be entitled to participate therein and, to the extent that it may wish, assume the defense thereof, with counsel satisfactory to such indemniﬁed party, and to the extent that the indemnifying party has given notice to such eﬀect to the indemniﬁed party and is performing its obligations under this Article, the indemnifying party shall not be liable for any legal or other expenses subsequently incurred by such indemniﬁed party in connection with the defense thereof, other than reasonable costs of investigation. Notwithstanding the foregoing, in any such proceeding, any indemniﬁed party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such indemniﬁed party unless (i) the indemnifying party and the indemniﬁed party shall have mutually agreed to the retention of such counsel or (ii) the named parties to any such proceeding

(including any impleaded parties) include both the indemnifying party and the indemniﬁed party and representation of both parties by the same counsel would be inappropriate due to actual or potential diﬀering interests between them. The indemnifying party shall not be liable for any settlement of any proceeding eﬀected without its written consent.

A successor by law of the parties to this Agreement shall be entitled to the beneﬁts of the indemniﬁcation contained in this Article IX. The provisions of this Article IX shall survive termination of this Agreement.

9.5 Investor shall indemnify and hold each respective Participating Fund, Dreyfus and sub- investment adviser of the Participating Fund harmless against any tax liability incurred by the Participating Fund under Section 851 of the Code arising from purchases or redemptions by Investor’s General Account(s) or the account of its aﬃliates.

ARTICLE X
COMMENCEMENT AND TERMINATION

10.1 This Agreement shall be eﬀective as of the date hereof and shall continue in force until terminated in accordance with the provisions herein.

10.2 This Agreement shall terminate without penalty:

1. As to any Participating Fund, at the option of Investor or the Participating Fund at any time from the date hereof upon 180 days’ notice, unless a shorter time is agreed to by the respective Participating Fund and Investor;
2. As to any Participating Fund, at the option of Investor, if Shares of that Participating Fund are not reasonably available to meet the requirements of the Contracts as determined by Investor. Prompt notice of election to terminate shall be furnished by Investor, said termination to be eﬀective ten days after receipt of notice unless the Participating Fund makes available a suﬃcient number of Shares to meet the requirements of the Contracts within said ten-day period;
3. As to a Participating Fund, at the option of Investor, upon the institution of formal proceedings against that Participating Fund by the Commission, National Association of Securities Dealers

3. or any other regulatory body, the expected or anticipated ruling, judgment or outcome of which would, in Investor’s reasonable judgment, materially impair that Participating Fund’s ability to meet and perform the Participating Fund’s obligations and duties hereunder. Prompt notice of election to terminate shall be furnished by Investor with said termination to be eﬀective upon receipt of notice;
4. As to a Participating Fund, at the option of each Participating Fund, upon the institution of formal proceedings against Investor by the Commission, National Association of Securities Dealers or any other regulatory body, the expected or anticipated ruling, judgment or outcome of which would, in the Participating Fund’s reasonable judgment, materially impair Investor’s ability to meet and perform Investor’s obligations and duties hereunder. Prompt notice of election to terminate shall be furnished by such Participating Fund with said termination to be eﬀective upon receipt of notice;
5. As to a Participating Fund, at the option of that Participating Fund, if the Participating Fund shall determine, in its sole judgment reasonably exercised in good faith, that Investor has suﬀered a material adverse change in its business or ﬁnancial condition or is the subject of material adverse publicity and such material adverse change or material adverse publicity is likely to have a material adverse impact upon the business and operation of that Participating Fund or Dreyfus, such Participating Fund shall notify Investor in writing of such determination and its intent to terminate this Agreement, and after considering the actions taken by Investor and any other changes in circumstances since the giving of such notice, such determination of the Participating Fund shall continue to apply on the sixtieth (60th) day following the giving of such notice, which sixtieth day shall be the eﬀective date of termination;
6. As to a Participating Fund, at the option of Investor, if Investor shall determine, in its sole judgment reasonably exercised in good faith that the Participating Fund has suﬀered a material adverse change in its business or ﬁnancial condition or is the subject of material adverse publicity and such material adverse change or material adverse publicity is likely to have a material adverse impact upon the business and operations of Investor or its Separate Account, the Investor shall notify the Participating Fund in writing of such determination and its intent to terminate this Agreement, and after considering the actions taken by the Participating Fund and any other changes in circumstances since the giving of such notice, such determination of Investor shall continue to apply to the sixtieth (60th) day following the giving of such notice, which sixtieth day shall be the eﬀective date of termination;
7. As to a Participating Fund, upon termination of the Investment Advisory Agreement between that Participating Fund and Dreyfus or its successors unless Investor speciﬁcally approves the selection of a new Participating Fund investment adviser. Such Participating Fund shall promptly furnish notice of such termination to Investor;
8. As to a Participating Fund, in the event that Shares of the Participating Fund are not registered, issued or sold in accordance with applicable federal law, or such law precludes the use of such Shares as the underlying investment medium of Contracts issued or to be issued by Investor. Termination shall be eﬀective immediately as to that Participating Fund only upon such occurrence without notice;

9. At the option of a Participating Fund upon a determination by its Board in good faith that it is no longer advisable and in the best interests of shareholders of that Participating Fund to continue to operate pursuant to this Agreement. Termination pursuant to this Subsection (i) shall be eﬀective upon notice by such Participating Fund to Investor of such termination;
10. At the option of a Participating Fund if the Contracts cease to qualify as annuity contracts or life insurance policies, as applicable, under the Code, or if such Participating Fund reasonably believes that the Contracts may fail to so qualify;
11. At the option of any party to this Agreement, upon another party’s breach of any material provision of this Agreement;
12. At the option of a Participating Fund, if the Contracts are not registered, issued or sold in accordance with applicable federal and/or state law; or
13. Upon assignment of this Agreement, unless made with the written consent of every other non- assigning party.

Any such termination pursuant to Section 10.2a, 10.2d, 10.2e, 10.2f or 10.2k herein shall not aﬀect the operation of Article V of this Agreement. Any termination of this Agreement shall not aﬀect the operation of Article IX of this Agreement.

10.3 Notwithstanding any termination of this Agreement pursuant to Section 10.2 hereof, each Participating Fund and Dreyfus may, at the option of the Participating Fund, continue to make available additional Shares of that Participating Fund for as long as the Participating Fund desires pursuant to the terms and conditions of this Agreement as provided below, for all Contracts in eﬀect on the eﬀective date of termination of this Agreement (hereinafter referred to as “Existing Contracts”). Speciﬁcally, without limitation, if that Participating Fund and Dreyfus so elect to make additional Shares of the Participating Fund available, the owners of the Existing Contracts or Investor, whichever shall have legal authority to do so, shall be permitted to reallocate investments in that Participating Fund, redeem investments in that Participating Fund and/or invest in that Participating Fund upon the making of additional purchase payments under the Existing Contracts. In the event of a termination of this Agreement pursuant to Section 10.2 hereof, such Participating Fund and Dreyfus, as promptly as is practicable under the circumstances, shall notify Investor whether Dreyfus and that Participating Fund will continue to make Shares of that Participating Fund available after such termination. If such Shares of the Participating Fund continue to be made available after such termination, the provisions of this Agreement shall remain in eﬀect and thereafter either of that Participating Fund or Investor may terminate the Agreement as to that Participating Fund, as so continued pursuant to this Section 10.3, upon prior written notice to the other party, such notice to be for a period that is reasonable under the circumstances but, if given by the Participating Fund, need not be for more than six months.

10.4 Termination of this Agreement as to any one Participating Fund shall not be deemed a termination as to any other Participating Fund unless Investor or such other Participating Fund, as the case may be, terminates this Agreement as to such other Participating Fund in accordance with this Article X.

ARTICLE XI
AMENDMENTS

11.1Any other changes in the terms of this Agreement, except for the addition or deletion of any Participating Fund or class of Shares of a Participating Fund as speciﬁed in Exhibit A, shall be made by agreement in writing between Investor and each respective Participating Fund.

ARTICLE XII
NOTICE

12.1Each notice required by this Agreement shall be given by certiﬁed mail, return receipt requested, to the appropriate parties at the following addresses:

Investor: {{firstName}} {{lastName}}

1100 SW 6th Avenue Portland, OR 97204

Attn: Marilyn Bishop

Assistant Vice President and Associate Counsel Participating Funds: Investment Fund LLC

c/o The Dreyfus Corporation 200 Park Avenue

New York, New York 10166 Attn: General Counsel

with copies to: Stroock & Stroock & Lavan LLP

180 Maiden Lane

New York, New York 10038-4982 Attn: Lewis G. Cole, Esq.

Stuart H. Coleman, Esq.

Notice shall be deemed to be given on the date of receipt by the addresses as evidenced by the return receipt.

ARTICLE XIII
MISCELLANEOUS

13.1This Agreement has been executed on behalf of each Fund by the undersigned oﬃcer of the Fund in his capacity as an oﬃcer of the Fund. The obligations of this Agreement shall only be binding upon the assets and property of the Fund and shall not be binding upon any director, trustee, oﬃcer or shareholder of the Fund individually. It is agreed that the obligations of the Funds are several and not joint, that no Fund shall be liable for any amount owing by another Fund and that the Funds have executed one instrument for convenience only.

ARTICLE XIV
LAW

14.1This Agreement shall be construed in accordance with the internal laws of the State of New York, without giving eﬀect to principles of conﬂict of laws.

ARTICLE XV
FOREIGN TAX CREDITS

15.1Each Participating Fund agrees to consult in advance with Investor concerning any decision to elect or not to pass through the beneﬁt of any foreign tax credits to the Participating Fund’s shareholders pursuant to Section 853 of the Code.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement to be duly executed and attested as of the date ﬁrst above written.

Atest: _________________________________

Atest: _________________________________

INVESTOR

Date: {{signedOn}}

Name: {{firstName}} {{lastName}}

Title: Investor {{firstName}} {{lastName}}

DREYFUS INVESTMENT PORTFOLIOS

By: _________________________________

Name: _________________________________

Title: _________________________________