List of References :

1. Mary Jane Fortin
Executive Vice President & CFO
American General Life Insurance Company
Houston, Texas
(713) 831-2376

2. Lanay Northcutt
Vice President
Conseco Companies
Carmel, Indiana
(317) 817-6560

3. Don Lyons
Senior Vice President, Corporate Actuary
Midland National Life Insurance Company
West Des Moines, IA
(515) 440-5586

4. Kirk Bailey
Vice President, Reinsurance
Aviva USA
West Des Moines, Iowa
(515) 342-4637

5. Mr. Daniel Fischer
Executive Vice President and General Council
Columbian Mutual Life Insurance Company
Binghamton, New York
(607) 724-2472