Form N-6 - United States Securities And Exchange Commission (Page 21 of 29) in pdf

(2) State the name and principal business address of the Registrant’s custodian and independent public accountant and describe

generally the services performed by each.

(3) If the Registrant’s assets are held by a person other than the Depositor, a commercial bank, trust company, or depository

registered with the Commission as custodian, state the nature of the business of that person.

(4) If an affiliated person of the Registrant or the Depositor, or an affiliated person of the affiliated person, acts as administrative

or servicing agent for the Registrant, describe the services the person performs and the basis for remuneration. State, for

the past three years, the total dollars paid for the services, and by whom.

Instruction. No disclosure need be given in response to paragraph (c)(4) of this item for an administrative or servicing

agent who is also the Depositor.

(5) If the Depositor is the principal underwriter of the Contracts, so state.

Item 18. Premiums

(a) Administrative Procedures. Discuss generally the Registrant’s administrative rules applicable to premium payments, to the

extent that they are not discussed in the prospectus.

Instruction. Examples include information regarding any condition applicable to changes in premium payment schedules, any

limitations on prepayments of premiums, any relevant rules for classifying payments made other than in response to a bill or in

an amount other than the amount billed for, etc.

(b) Automatic Premium Loans. If the contract provides an automatic premium loan option, describe the option, including the

circumstances under which it will be used to pay a required premium and whether, and how, interest will be charged on the

loan. Describe any effect not described in the prospectus that an automatic premium loan could have on the Contract (e.g., how

automatic premium loans affect cash value).

Item 19. Additional Information About Operation of Contracts and Registrant

(a) Incidental Benefits. To the extent not described in the prospectus, explain the manner in which the purchase or operation of

other incidental benefits affects the exercise of rights and the determination of benefits under the Contract such as whether the

Contract or any rider provides for a change of insured or for all or a portion of the death benefit to be paid while the insured is

still alive.

(b) Surrender and Withdrawal. To the extent not described in the prospectus, explain the Contract’s surrender and withdrawal

provisions.

(c) Material Contracts Relating to the Registrant. Disclose any material contract relating to the operation or administration of the

Registrant.

(d) Describe any arrangements with any person to permit frequent transfers of Contract value among sub-accounts of the Registrant,

including the identity of the persons permitted to engage in frequent transfers pursuant to such arrangements, and any compensation

or other consideration received by the Registrant, the Depositor, or any other party pursuant to such arrangements.

Instructions.

1. The consideration required to be disclosed by Item 19(d) includes any agreement to maintain assets in the Registrant or in other

investment companies or accounts managed or sponsored by the Depositor, any investment adviser of a Portfolio Company, or

any affiliated person of the Depositor or of any such investment adviser.

2. If the Registrant has an arrangement to permit frequent transfers of Contract value among sub-accounts of the Registrant by a

group of individuals, such as the participants in a defined contribution plan that meets the requirements for qualification under

Section 401(k) of the Internal Revenue Code (26 U.S.C. 401(k)), the Registrant may identify the group rather than identifying

each individual group member.

Form N-6 - United States Securities And Exchange Commission Page 21