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AMENDMENT NO. 3 The Modified Coinsurance Agreement originally written between American Franklin Life Insurance Company of Springfield, Illinois and Integrity Life Insurance Company of Phoenix, Arizona, effective April 1, 1989, and subsequently...
Separate Account Vul-2 of the American Franklin Life Ins Co • February 28th, 1997

The Modified Coinsurance Agreement originally written between American Franklin Life Insurance Company of Springfield, Illinois and Integrity Life Insurance Company of Phoenix, Arizona, effective April 1, 1989, and subsequently assigned by Integrity Life Insurance Company to Phoenix Home Life Mutual Insurance Company, of East Greenbush, New York at October 31, 1994, is hereby amended as follows:

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