GENERAL PROVISIONS 3 The Entire Contract 3 Modification of Contract 3 Incontestability 3 Change of Annuity Date 3 Assignment 3 Due Proof of Death 3 Reserves, Contract Values and Death Benefits 3 Non-Participating 3 Reports 3 Premium Taxes 3 Creditors 3Fkla Variable Annuity Separate Account • October 9th, 2003
