Exhibit 3 UNDERWRITING AGREEMENT AGREEMENT made this _____ day of August, 2002, by and between ML Life Insurance Company of New York ("ML Life of New York"), a New York corporation, and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"), a...Underwriting Agreement • August 26th, 2002 • Ml of New York Variable Annuity Separate Account C • New York
