EXHIBIT 3 UNDERWRITING AGREEMENT AGREEMENT made this _____ day of May, 2002, by and between Merrill Lynch Life Insurance Company ("Merrill Lynch Life"), an Arkansas corporation, and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"), a...Underwriting Agreement • May 31st, 2002 • Merrill Lynch Life Variable Annuity Separate Account C
