EXHIBIT (3)(b)
SELLING GROUP AGREEMENT BY AND AMONG
THE UNITED STATES LIFE INSURANCE COMPANY
IN THE CITY OF NEW YORK,
AMERICAN GENERAL SECURITIES INCORPORATED, AND
AMERICAN GENERAL INSURANCE AGENCY, INC.
This Selling Group Agreement ("Agreement") is made by and among THE UNITED
STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK ("USL"), a New York
domiciled life insurance company, AMERICAN GENERAL SECURITIES INCORPORATED
("Selling Group Member" and as "Distributor"), a Texas corporation and AMERICAN
GENERAL INSURANCE AGENCY, INC. ("Associated Agency"), a Missouri corporation.
RECITALS
WHEREAS, USL is an indirect, wholly-owned subsidiary of AMERICAN INTERNATIONAL
GROUP, INC. ("AIG"), a Delaware corporation;
WHEREAS, Selling Group Member/Distributor is an indirect, wholly-owned
subsidiary of AIG;
WHEREAS, Associated Agency is an indirect, wholly-owned subsidiary of AIG;
WHEREAS, USL, Selling Group Member/Distributor and Associated Agency are
affiliates under the ultimate common control of AIG pursuant to New York
Insurance Law Section 1501;
WHEREAS, USL and Distributor are parties to a Distribution Agreement whereby USL
has granted Distributor a non-exclusive right to promote the sale of USL
products set forth in Schedule A;
WHEREAS, the Distribution Agreement described herein has been non-disapproved by
the New York Insurance Department;
WHEREAS, USL, Selling Group Member/Distributor, and Associated Agency wish to
enter into this Agreement for the purpose of providing for the distribution of
certain variable life insurance policies and/or annuity contracts;
NOW THEREFORE, in consideration of the premises and mutual promises set forth
herein, and intending to be legally bound hereby, the parties agree as follows:
1. PRODUCT DISTRIBUTION. Subject to the terms, conditions and limitations of
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this Agreement, the products sold under this Agreement shall be distributed
in accordance with this section.
(a) Designation of the Parties.
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Distributor is a registered broker-dealer and distributor of the
variable life insurance policies and/or annuity contracts or
certificates set forth in Schedule A and Schedule A-1 (collectively,
"Schedule A").
USL is a New York licensed life insurance company issuing the variable
products set forth on Schedule A and any successor or additional
products registered with the Securities and Exchange Commission (the
"SEC") and approved by the New York Insurance Department (as discussed
in Paragraph ( c ) of this section entitled "NEW PRODUCTS") and shall
be collectively referred to herein as the "Contracts."
Selling Group Member is registered with the SEC as a broker-dealer
under the Securities Exchange Act of 1934 ("1934 Act") and under any
appropriate regulatory requirements of state law and is a member in
good standing of the National Association of Securities Dealers, Inc.
("NASD").
Selling Group Member has NASD registered representatives who will
distribute the Contracts.
Associated Agency is a New York licensed insurance agency and is
appointed by USL as an agent of USL with the New York Insurance
Department. The relationship between Associated Agency and USL is that
of an independent contractor.
The NASD registered representatives affiliated with Selling Group
Member are also New York licensed insurance agents of Associated Agency
and are appointed by USL as agents of USL with the New York Insurance
Department ("Sales Persons"). The relationship between the Sales
Persons and Selling Group Member and the Sales Persons and USL is that
of independent contractor.
Distributor hereby appoints Selling Group Member and the Sales Persons
to solicit and procure applications for the Contracts.
The appointment by Distributor of the Sales Persons and the appointment
by USL of Associated Agency and the Sales Persons for the sale of these
Contracts is not to be deemed exclusive in any manner and only extends
to New York sales of the Contracts.
(b) Responsibilities Of The Parties/Compliance.
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(i) SELLING GROUP MEMBER/SALES PERSONS.
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Selling Group Member is authorized to recommend Sales Persons
for appointment by USL to solicit sales of the Contracts.
Selling Group Member shall be responsible for the sales
activities of the Sales Persons and shall
exercise supervisory oversight over Associated Agency and the Sales
Persons with respect to the offer and sale of the Contracts.
Selling Group Member shall be solely responsible for the approval of
securities suitability determinations for the purchase of any Contract
or the selection of any investment option thereunder, in compliance
with federal and state securities laws and shall supervise Associated
Agency and the Sales Persons in determining client suitability.
Selling Group Member shall hold USL harmless from any financial claim
resulting from improper suitability decisions or failure to supervise
Associated Agency and the Sales Persons in accordance with federal
securities laws and NASD regulations.
Selling Group Member will be responsible for the payment of
commissions to the Sales Persons, in accordance with the provisions of
this Agreement, after it receives the commissions from Associated
Agency. Selling Group Member will be reimbursed by Associated Agency
for its actual costs in rendering this service.
Selling Group Member will fully comply with the requirements of the
NASD and of the 1934 Act and such other applicable federal and state
laws and will establish rules, procedures and supervisory and
inspection techniques necessary to diligently supervise the activities
of the Sales Persons in connection with offers and sales of the
Contracts. Such supervision shall include, but not be limited to
providing, or arranging for, initial and periodic training in
knowledge of the Contracts. Upon request by USL, Selling Group Member
will furnish appropriate records as are necessary to establish
diligent supervision and client suitability.
Selling Group Member shall incur all costs associated with registering
and complying with the various rules of the SEC and the NASD relating
to broker-dealers.
Selling Group Member shall fully cooperate in any insurance or
securities regulatory examination, investigation, or proceeding or any
judicial proceeding with respect to USL, Distributor, Selling Group
Member and Associated Agency and their respective affiliates, agents
and representatives to the extent that such examination,
investigation, or proceeding arises in connection with the Contracts.
Selling Group Member shall immediately notify USL if its broker-dealer
registration or the registration of any of its Sales Persons is
revoked, suspended or terminated.
The Sales Persons shall be the only parties involved in the
solicitation, negotiation or procurement of the Contracts. All
correspondence relating to the sale of the Contracts will be between
USL, Selling Group Member, Associated Agency, the Sales Persons and
the prospective purchaser.
The Sales Persons are authorized to collect the first purchase
payment or premium (collectively the "Premium") on the
Contracts. The Sales Persons will in turn remit the
application and Premium to Selling Group Member which will
after a determination of suitability, will remit the Premium
to USL's lock box within 24 hours.
The Sales Persons shall take applications for the Contracts
only on preprinted applications supplied to them and/or
Associated Agency by USL. All completed applications and
supporting documents are the sole property of USL and shall be
retained by or on behalf of USL in accordance with New York
Insurance Regulation 152.
Selling Group Member is authorized to recommend Sales Persons
for appointment by USL to solicit sales of the Contracts.
(ii) ASSOCIATED AGENCY/SALES PERSONS.
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Associated Agency will fully comply with the requirements of
New York Insurance Law and Regulations. Associated Agency
shall fully cooperate in any insurance or securities
regulatory examination, investigation, or proceeding or any
judicial proceeding with respect to USL, Distributor, Selling
Group Member and Associated Agency and their respective
affiliates, agents and representatives to the extent that such
examination, investigation, or proceeding arises in connection
with the Contracts. Associated Agency shall immediately notify
Distributor if its insurance license or the license of any of
its Sales Persons is revoked, suspended, or terminated.
The Sales Persons shall complete a "Definition of Replacement
Form" with each application for the Contracts. The "Definition
of Replacement Form" shall be signed by the Sales Persons and
each applicant and the Sales Persons shall leave a copy of the
form with the applicant for his or her records. The Sales
Persons shall attach the completed and signed "Definition of
Replacement Form" to each application for the Contracts. Where
the purchase of one of the Contracts will result in, or is
likely to result in, a replacement, the Sales Persons shall
comply in all respects with New York Insurance Regulation 60.
(iii) USL.
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USL warrants that no Sales Person shall commence solicitation
or aid, directly or indirectly, in the solicitation of any
application for any Contract until that Sales Person is
appropriately licensed and appointed by USL to sell the
Contracts. USL shall be responsible for all fees required to
obtain and/or maintain any licenses or registrations required
by New York Insurance Law.
Following Selling Group Member's determination of securities
suitability, USL will determine the insurance suitability of
the Contracts, and will determine in its sole discretion
whether to accept the applications submitted to USL by the
Sales Persons and issue Contracts.
USL will return any incomplete applications to Selling Group
Member, which will then forward them to the Sales Persons.
USL will provide the Sales Persons with all policy forms, the
"Definition of Replacement Form" and any other regulatory
forms required to be completed in connection with the
Contracts.
USL will inform Associated Agency and Selling Group Member
regarding any limitations on the availability of the Contracts
in New York.
USL represents that the prospectus(es) and registration
statement(s) relating to the Contracts contain no untrue
statements of material fact or omission of a material fact,
the omission of which makes any statement contained in the
prospectus and registration statement materially false or
misleading. USL agrees to indemnify Associated Agency and
Selling Group Member from and against any claims, liabilities
and expenses which may be incurred by any of those parties
under the Securities Act of 1933, the 1934 Act, the Investment
Act of 1940, common law, or otherwise, that arises out of a
breach of this paragraph.
(iv) DISTRIBUTOR.
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Distributor is authorized by USL to offer the Contracts for
sale by the Sales Persons under the terms of the Distribution
Agreement described herein.
(c) New Products.
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USL and Distributor may agree upon additional or successor products and
commission schedules, in which event Selling Group Member will offer
the product(s) through the Sales Persons. However, the parties
acknowledge that no such product can be offered for sale prior to
receipt of all necessary federal and state approvals.
(d) Sales Material/Books and Records.
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Associated Agency, Selling Group Member and Sales Persons shall not
utilize, in their efforts to market the Contracts, any written
brochure, prospectus, descriptive literature, printed and published
material, audio-visual material or standard letters unless such
material has been provided preprinted by USL or unless USL has
provided prior written approval for the use of such literature. In
accordance with New York Insurance Law Regulation 152, Associated
Agency and/or Selling Group Member shall maintain complete records
indicating the manner and extent of distribution of any such
solicitation material, shall make such records and files available to
USL and shall forward such records to USL. Additionally, Selling Group
Member and/or Associated Agency shall make such material available to
personnel of state insurance departments, the NASD or other regulatory
agencies, including the SEC, which may have regulatory authority over
USL or Distributor. Associated Agency and Selling Group Member jointly
and severally hold USL, and its affiliates harmless from any liability
arising from the use of any material which either (i) has not been
specifically approved in writing by USL, or (ii) although previously
approved, has been disapproved by USL in writing for further use.
Selling Group Member will reflect all sales of the Contracts by
Associated Agency and the Sales Persons on the books and records of
Selling Group Member.
(e) Prospectuses.
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Selling Group Member warrants that solicitation for the sale of the
Contracts will be made by use of a currently effective prospectus, that
a prospectus will be delivered concurrently with each sales
presentation and that no statements shall be made to a client
superseding or controverting any statement made in the prospectus. USL
and Distributor shall furnish Selling Group Member, at no cost to
Selling Group Member reasonable quantities of prospectuses to aid in
the solicitation of Contracts.
2. COMPENSATION/CHARGES.
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USL will remit to Associated Agency all compensation set forth in
Schedule B (and Schedule B-1, if appropriate) annexed hereto in
compliance with New York Insurance Regulation 4228. Associated Agency
will remit the commissions otherwise due and payable to Sales Persons
to Selling Group Member which, in turn, will pay the Sales Persons.
Associated Agency will assign a portion of the commissions to Selling
Group Member for the actual costs incurred for the services performed
in paying the commissions and for its supervisory oversight and
non-insurance services. Such supervisory oversight and non-insurance
services include the following:
Supervisory Oversight:
Supervise Sales Persons in solicitation of variable insurance products
Review applications and premium checks for completeness and accuracy
Review applications for suitability Participate in reporting and
resolution of any customer complaints.
Non-Insurance Services:
Insure proper licensing of Sales Persons (insurance and securities)
Forward application and checks (if applicable) to appropriate location
Record transaction on books and records of Selling Group Member
Determine compensation for Sales Persons
Issue checks to Sales Persons
Track compensation paid to Sales Persons and issue Form 1099 at year
end.
Actual costs of Selling Group Member supervisory oversight will be
determined applying generally accepted accounting principles and shall
be determined on a quarterly basis.
If, by the last quarter of a calendar year, it becomes apparent that
Associated Agency may exceed the New York Insurance Regulation 4228
limits on compensation payments, USL will adjust payments made on new
sales to bring Associated Agency into compliance with this statute. If,
after the calendar year ends, Associated Agency is still out of
compliance with the New York Insurance Regulation 4228 limits, USL will
withhold compensation on new sales and/or renewal compensation
following the end of the calendar year in which the overpayments were
made until Associated Agency is brought into compliance. All reasonable
efforts will be made to recoup such overpayments within the 3 month
period following the calendar year in which such overpayments were made
3. CUSTOMER SERVICE AND COMPLAINTS.
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The parties agree that USL may contact by mail or otherwise, any
client, agent, account executive, or employee of Associated Agency or
other individual acting in a similar capacity if deemed appropriate by
USL, in the course of normal customer service for existing Contracts,
in the investigation of complaints, or as required by law. The parties
agree to cooperate fully in the investigation of any complaint. USL and
Selling Group Member jointly will handle and process all complaints
associated with the sale of the Contracts under this Agreement.
4. INDEMNIFICATION.
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Selling Group Member, Associated Agency, and Sales Persons agree to
hold harmless and indemnify USL against any and all claims, liabilities
and expenses incurred by USL, and arising out of or based upon any
alleged or untrue statement of Selling Group Member, Associated Agency
or Sales Person other than statements contained in the approved sales
material for any Contract, or in the registration statement or
prospectus for any Contract.
USL hereby agrees to indemnify and hold harmless Selling Group Member
and each of its employees, controlling persons, officers or directors
against any losses, expenses (including reasonable attorneys' fees and
court costs), damages or liabilities to which Selling Group Member and
Associated Agency or such affiliates, controlling persons, officers or
directors become subject, under the Securities Act of 1933, New York
Insurance Laws or otherwise, insofar as such losses, expenses,
damages or liabilities (or actions in respect thereof) arise out of or
are based upon USL's performance, non-performance or breach of this
Agreement, or are based upon any untrue statement contained in, or
material omission from, the prospectus for any of the Contracts.
5. LIMITATIONS ON AUTHORITY.
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The Contract forms are the sole property of USL. No person other than
USL has the authority to make, alter or discharge any policy, Contract,
certificate, supplemental contract or form issued by USL. No party has
the right to waive any provision with respect to any Contract or
policy; give or offer to give, on behalf of USL, any tax or legal
advice related to the purchase of a Contract or policy; or make any
settlement of any claim or bind USL or any of its affiliates in any
way. No person has the authority to enter into any proceeding in a
court of law or before a regulatory agency in the name of or on behalf
of USL.
6. ARBITRATION.
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The parties agree that any controversy between or among them arising
out of their business or pursuant to this Agreement that cannot be
settled by agreement shall be taken to arbitration as set forth herein.
Such arbitration will be conducted according to the securities
arbitration rules then in effect, of the American Arbitration
Association, NASD, or any registered national securities exchange.
The arbitrators shall render a written opinion, specifying the factual
and legal bases for the award, with a view to effecting the intent of
this Agreement. The written opinion shall be signed by a majority of
the arbitrators. In rendering the written opinion, the arbitrators
shall determine the rights and obligations of the parties according to
the substantive and procedural laws of the State of New York.
Accordingly, the written opinion of the arbitrators will be determined
by the rule of law and not by equity. The decision of the majority of
the arbitrators shall be final and binding on the parties and shall be
enforced by the courts in New York.
7. GENERAL PROVISIONS.
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(a) Waiver.
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Failure of any of the parties to promptly insist upon strict
compliance with any of the obligations of any other party under
this Agreement will not be deemed to constitute a waiver of the
right to enforce strict compliance.
(b) Independent Assignment.
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No assignment of this Agreement or of any obligations under this
Agreement shall be valid without prior written consent of USL.
Furthermore, this Agreement and any rights pursuant hereto shall
be assignable only upon the
written consent of the New York State Insurance Department and all of
the parties hereto. Except as and to the extent specifically provided
in this Agreement, nothing in this Agreement, expressed or implied, is
intended to confer on any person other than the parties hereto, or
their respective legal successors, any rights, remedies, obligations,
or liabilities, or to relieve any person other than the parties hereto
or their respective legal successors, from any obligations or
liabilities that would otherwise be applicable.
(c) Notice.
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All notices, statements or requests provided for hereunder shall be
deemed to have been duly given when delivered by hand to an officer of
the other party, or when deposited with the U.S. Postal Service, via
first-class certified or registered mail, with postage pre-paid, or
when delivered by overnight courier service, telex or telecopier,
addressed as follows:
If to USL:
The United States Life Insurance Company in
the City of New York
390 Park Avenue, 5/th/ Floor
New York, NY 10022-4684
Attention: President
If to Selling Group Member/Distributor:
American General Securities Incorporated
2727 Allen Parkway
Houston, Texas 77019
Attention: President
If to Associated Agency:
American General Insurance Agency, Inc.
2727 Allen Parkway
Houston, Texas 77019
Attention: President
or to such other persons or places as each party may from time to time
designate by written notice.
(d) Severability.
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To the extent this Agreement may be in conflict with any
applicable law or regulation, this Agreement shall be
construed in a manner consistent with such law or regulation.
The invalidity or illegality of any provision of this
Agreement shall not be deemed to affect the validity or
legality of any other provision of this Agreement.
(e) Amendment.
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This Agreement may be amended only in writing and signed by
all parties. No amendment will impair the right to receive
commissions accrued with respect to Contracts issued and
applications procured prior to the amendment.
(f) Entire Agreement.
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This Agreement together with such amendments as may from time
to time be executed in writing by the parties, constitutes the
entire agreement and understanding among the parties in
respect to the transactions contemplated hereby and supersedes
all prior agreements, arrangements and understandings related
to the subject matter hereof.
(g) Termination.
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This Agreement may be terminated by any party upon 30 days'
prior written notice. It may be terminated, for cause, defined
as a material breach of this Agreement, by any party
immediately. Termination of this Agreement shall not impair
the right to receive commissions accrued to applications
procured prior to the termination except for a termination due
to cause, or as otherwise specifically provided in Schedule B
(or Schedule B-1, as appropriate).
(h) Governing Law.
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This Agreement shall be governed by and construed and enforced
in accordance with the internal laws of the State of New York
applicable to contracts made and to be performed in that
state, without regard to principles of conflict of laws.
8. CONFIDENTIALITY AND PROTECTION OF NONPUBLIC PERSONAL INFORMATION.
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(a) Confidentiality.
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"Confidential Information" of a party shall mean all
confidential or proprietary information, including trade
secrets, expressions, ideas and business practices of such
party in any medium, as well as the terms of this Agreement.
For purposes of this
Agreement and unless otherwise indicated, reference to each
party shall include their affiliates, agents and contractors.
All Confidential Information relating to a party shall be held
in confidence by the other party to the same extent and in at
least the same manner as such party protects its own
confidential or proprietary information, but in no case to a
lesser extent than reasonable care under the circumstances
requires. No party shall disclose, publish, release, transfer
or otherwise make available Confidential Information of any
other party in any form to, or for the use or benefit of, any
person or entity without the other parties' consent. Each
party shall, however, be permitted to disclose relevant
aspects of the other parties' Confidential Information to its
officers, agents, subcontractors and employees to the extent
that such disclosure is reasonably necessary for the
performance of its duties and obligations under this
Agreement; provided, however, that such party shall take all
reasonable measures to ensure that Confidential Information of
the other party or parties is not disclosed or duplicated in
contravention of the provisions of this Agreement by such
officers, agents, subcontractors and employees.
The obligations herein shall not restrict any disclosure by
any party pursuant to any applicable state or federal laws, or
by order of any court or government agency (provided that the
disclosing party shall give prompt notice to the
non-disclosing party or parties of such order) and shall not
apply with respect to Confidential Information which (1) is
developed by the other party independently of the Confidential
Information of the disclosing party without violating the
disclosing party's proprietary rights, (2) is or becomes
publicly known (other than through unauthorized disclosure),
(3) is disclosed by the owner of such information to a third
party free of any obligation of confidentiality, (4) is
already known by such party without an obligation of
confidentiality other than pursuant to this Agreement or any
confidentiality agreements entered into before the effective
date of this Agreement, or (5) is rightfully received by a
party free of any obligation of confidentiality.
(b) Protection of Nonpublic Personal Information.
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(1) Definition of Nonpublic Personal Information.
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Nonpublic personal information of customers or
consumers ("NPI") includes, but is not limited to,
names, addresses, account balances, account numbers,
account activity, social security numbers, taxpayer
identification numbers, and sensitive, financial and
health information. NPI includes information on each
party's forms or in a database of any kind, information
created by each party, information collected by or on
behalf of a party, and personally identifiable
information derived from NPI.
There may be instances where each party will have the
same NPI that may be subject to different privacy
policies and procedures according to the notices
provided to the customer or consumer by the respective
parties to the Agreement.
(2) Disclosure and Use of NPI.
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All NPI that any party obtains as a result of this relationship
shall not be used, disclosed, reused or redisclosed to any third
party, except to carry out the purposes for which the information
was disclosed. All NPI of the other parties shall be held in
confidence to the same extent and in at least the same manner as
the holding party protects its own NPI, but in no case in a
lesser manner than a reasonable degree of care under the
circumstances.
Each party shall be permitted to disclose relevant aspects of the
other parties' NPI to its officers, agents, subcontractors and
employees only to the extent that such disclosure is reasonably
necessary for the performance of its duties and obligations under
the Agreement; provided that such party shall take all reasonable
measures to ensure that the NPI of the other party or parties is
not disclosed or reproduced in contravention of the provisions of
this Agreement by such party's officers, agents, subcontractors
and employees.
The obligations of this Agreement shall not restrict any
disclosure by any party pursuant to any applicable state or
federal laws, or by request or order of any court or government
agency (provided that the disclosing party shall seek appropriate
protections and provide prompt notice to the non-disclosing party
or parties in order that any other party will have a reasonable
opportunity to oppose the disclosure, request or order).
The obligations of this Agreement shall not apply to information
which, without breach of obligation of confidentiality: (1) is
independently developed by a party; (2) is or becomes publicly
known; (3) is already known by such party as evidenced by the
written records of such party; or (4) is obtained from an
independent source.
(3) Security of NPI.
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The parties further agree to establish and maintain policies and
procedures designed to ensure the confidentiality and security of
NPI. This shall include procedures to protect against any
anticipated threats or hazards to the security or integrity of
the information and unauthorized access to or use of the
information. For reasonable cause, each party may audit the use
or disclosure of NPI upon reasonable written notice to the other
party. Each party will promptly advise the other parties of any
breach of obligations of this Agreement with respect to NPI of
which the breaching party is aware.
(4) Other Provisions.
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The parties agree that they shall abide by the provisions of the
Gramm-Leach-Bliley Act and other applicable privacy laws and
regulations and that the
obligations described herein shall continue after termination of
this Agreement and/or the Agreement. Any provision in the
Agreement or any agreement that is inconsistent with the
obligations herein shall be void.
If Selling Group Member utilizes more than one insurance agency
in the conduct of its insurance sales, Selling Group Member
represents that Associated Agency identified herein is acting on
behalf of all such insurance agencies.
This Agreement comprises the entire agreement among the parties
concerning NPI. There are no oral or implied promises or other
obligations concerning said subject matter that have not been set
forth herein. This Agreement may not be modified without a
written agreement executed by all parties.
By signing below, the undersigned agree to have read and be bound by the terms
and conditions of this Agreement.
Date:_______________________________
The United States Life Insurance Company in the City of New York
390 Park Avenue, 5/th/ Floor
New York, NY 10022-4684
Signed By: ____________________________________________
Name & Title: ____________________________________________
American General Securities Incorporated
2727 Allen Parkway
Houston, TX 77019
Signed By: ____________________________________________
Name & Title: ____________________________________________
American General Insurance Agency, Inc.
2727 Allen Parkway
Houston, TX 77019
Signed By: ____________________________________________
Name & Title: ____________________________________________
Schedule A
Control Date - November 1, 2001
THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK
CONTRACTS COVERED BY THIS AGREEMENT
Registration Forms Separate
Contract Name and Numbers Account
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Platinum Investor Form S-6 USL VL-R
Variable Life Insurance Nos. 811-09359
333-79471
Platinum Investor Survivor Form S-6 USL VL-R
Second-to-Die Variable Nos. 811-09359
Life Insurance 333-57062
Schedule A-1 - Generations Variable Annuity
Control Date - May 1, 2001
THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK
CONTRACTS COVERED BY THIS AGREEMENT
Registration Forms Separate
Contract Name and Numbers Account
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Generations Variable Annuity Form N-4 USL VA-R
Nos. 811-09007
333-63673