INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT HARTFORD LIFE AND ANNUITY INSURANCE COMPANY Hartford, Connecticut 06104-2999 (a stock life insurance company, herein called the "Company") We will pay the first of a series of Annuity payments to...Individual Flexible • April 7th, 2003 • Hartford Life & Annuity Insurance Co Separate Account One • Connecticut
DESCRIPTION OF BENEFITS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT SEPARATE ACCOUNT: [ HARTFORD LIFE INSURANCE COMPANY SEPARATE ACCOUNT TWO ] PAYMENT ENHANCEMENT: PAYMENT ENHANCEMENTS ARE A PERCENTAGE OF PREMIUM PAID AND EQUAL: ENHANCEMENT PREMIUM RANGE ----------- ------------- [3.00% UP TO $49,999.99 4.00% $50,000 AND OVER] THE APPLICABLE PAYMENT ENHANCEMENT WILL BE SEPARATELY CALCULATED AND CREDITED FOR EACH PREMIUM PAYMENT AS RECEIVED BASED ON THE CUMULATIVE TOTAL AMOUNT OF PREMIUM PAYMENTS. IF AFTER THE FIRST PREMIUM PAYMENT IS MADE, ADDITIONAL PREMIUM PAYMENT(S) IS (ARE) RECEIVED WHICH RESULT IN THE CUMULATIVE PREMIUM PAYMENTS TO REACH A HIGHER PREMIUM RANGE, ALL PRIOR PREMIUM PAYMENTS WILL BE CREDITED WITH AN ADDITIONAL PAYMENT ENHANCEMENT AT A RATE EQUAL TO THE DIFFERENCE BETWEEN THE RATE PREVIOUSLY CREDITED AND THE RATE APPLICABLE TO THE NEWLY REACHED PREMIUM RANGE. SUCH ADDITIONAL PAYMENT ENHANCEMENT WILL BE CREDITED AS OF THE DATE OF RECEIPT OF THE ADDITIONAL PREM
