0000928389-99-000250 Sample Contracts

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Agreement • September 16th, 1999 • Cova Variable Annuity Account One

This Agreement is made by and between XEROX VARIABLE ANNUITY ACCOUNT ONE ("Separate Account"), a separate account of Xerox Financial Services Life Insurance Company duly organized under the laws of the State of Missouri and Xerox Financial Services Life Insurance Company ("Insurance Company"), a life insurance company duly organized under the laws of the State of Missouri.

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