UNDERWRITING ALLIANCE

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

UNDERWRITING ALLIANCE THERE IS NO SUBSTITUTE FOR EXPERIENCE

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

UA UNDERWRITING ALLIANCE

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

UNDERWRITING ALLIANCE

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

STRATUS

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

CRITICAL CHOICE

Insurance and Financial

Owner

STANDARD LIFE INSURANCE COMPANY OF INDIANA

Mar 24, 1998