0000853285-04-000144 Sample Contracts

PARTICIPATION AGREEMENT Amendment No. 1 October 31, 2003
Participation Agreement • May 14th, 2004 • Sun Life of Canada U S Variable Account F

THIS AGREEMENT, dated as of the 16th day of September, 2002 and amended on October 31, 2003, by and among Sun Life Assurance Company of Canada (U.S.) a Delaware life insurance company, and Sun Life Insurance and Annuity Company of New York, a New York life insurance company (each of which is hereinafter referred to as the "Company"), each of which is life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each account hereinafter referred to as the "Account"), PIMCO Variable Insurance Trust (the "Fund"), a Delaware business trust, and PIMCO Funds Distributors LLC (the "Underwriter"), a Delaware limited liability company.

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SUN LIFE ASSURANCE COMPANY OF CANADA (U.S.) Lifetime Income Bonus Benefit Rider (For Life Annuity with 120 or Greater Monthly Payments Certain)
Sun Life of Canada U S Variable Account F • May 14th, 2004

This Rider is made a part of the Contract to which it is attached, in consideration of the Owner's election of this Rider, and deduction of the applicable Rider charge as shown on the Specifications Page of this Contract. The effective date of this Rider is the Issue Date of this Contract.

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