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EXHIBIT 1.A.(5)(b)(1)
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[LOGO] XXXXXXX Xxxxxxx Xxxxx Life Insurance Company LITTLE ROCK,
XXXXX ARKANSAS
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BACKDATING ENDORSEMENT
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ENDORSEMENT DATA Insured: XXXXXXX XXX
Policy Number: SPECIMEN
Policy Date: Nov. 28, 1990
Endorsement Effective Date: Nov. 28, 1990
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Endorsed on This Policy on its Date of Issue:
For the policy processing period beginning on the policy date we will calculate the net rate of
return for an investment division as follows:
(1) For the period from the policy date to the Endorsement Effective Date we will
credit interest at the rate used in our computations shown in Policy Schedule 2.
(2) For the period from the Endorsement Effective Date to the next policy processing
date, we will credit the division's net rate of return for such period.
/s/ XXXXX X. XXXXXXXX /s/ XXXXXX X. XXXXXXX
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Xxxxx X. Xxxxxxxx Xxxxxx X. Xxxxxxx
Secretary President
MBDR87 SPECIMEN