See All of This Company's Exhibits

EX-99.3.6 3 dex9936.htm ASSIGNMENT OF SELLING AGREEMENTS ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT - Assignment of Selling Agreements, dated April 1, 2010, By and Between Investors Brokerage Services, Inc. and Synergy Investment Group, LLC is incorporated by reference to Post-Effective Amendment No. 21 to the Registration Statement on Form N-4 (File No. 333-22375) filed on April 30, 2010.

EXHIBIT 3.6

ASSIGNMENT OF SELLING AGREEMENTS

This Assignment of Selling Agreements (this “ASSIGNMENT”) is made effective as of the 1 day of April, 2010, by and between Investors Brokerage Services, Inc. (“IBS”) and Synergy Investment Group, LLC (“SYNERGY”).

WHEREAS, IBS and SYNERGY are each registered with the Securities and Exchange Commission as a broker-dealer under the Securities Exchange Act of 1934 and are each member firms of the Financial Industry Regulatory Authority, Inc.;

WHEREAS, IBS and Kemper Investors Life Insurance Company (“KILICO”) are parties to a Distribution Agreement made on January 31, 1995, and effective on February 1, 1995 (the “Distribution Agreement”), whereunder IBS acts as a principal underwriter of the Scudder DestinationsSM and Farmers VA I variable annuity contracts (the “Contracts”), each of which was issued by KILICO through the KILICO Variable Annuity Separate Account; and

WHEREAS, as principal underwriter of the Contracts, IBS entered into various Selling Group Agreements (each an “AGREEMENT” and, collectively, the “AGREEMENTS”) in substantially the same form as Exhibit A hereto, with the Broker-Dealers listed on Exhibit B hereto, which AGREEMENTS contain the terms and conditions relating to the sale of the Contracts by the Broker-Dealers; and

WHEREAS, IBS and KILICO have terminated or will terminate the Distribution Agreement, by mutual agreement, as it relates to the Contracts;

WHEREAS, IBS desires to assign its rights and responsibilities under the AGREEMENTS with respect to the Contracts to SYNERGY, and SYNERGY wishes to assume those rights and responsibilities;

WHEREAS, KILICO and SYNERGY have entered into a Principal Underwriting Agreement pursuant to which SYNERGY acts as a principal underwriter for the Contracts;

NOW, THEREFORE, IN CONSIDERATION of the promises and the mutual covenants of the parties, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:

 

  1. Except as provided in paragraph 5 hereof, IBS does hereby transfer, assign and convey all of its rights, title and interest in the AGREEMENTS to SYNERGY, and, from and after the effective date of this ASSIGNMENT, SYNERGY hereby agrees to be bound by all the terms of the AGREEMENTS in every way as if it were an original party thereto.

 

  2. Except as provided in paragraph 5 hereof, SYNERGY replaces IBS as the principal underwriter for the Contracts from and after the effective date of this ASSIGNMENT.

 

1


  3. The rates, commissions, terms and conditions of the AGREEMENTS, and any schedules, underwriting guidelines, exhibits, amendments or endorsements thereto, are not changed by this ASSIGNMENT, except as explicitly provided herein.

 

  4. Except as provided in paragraph 5 hereof, from and after the effective date of this ASSIGNMENT, SYNERGY shall be obligated under the AGREEMENTS for all matters for which IBS would be obligated in the absence of the assignment and assumption hereunder and shall perform the obligations of IBS that are enumerated under the AGREEMENTS.

 

  5. This ASSIGNMENT relates only to the rights, title and interest in the AGREEMENTS that pertain to the Contracts, and does not transfer any rights, title or interest in any other variable annuity contract or variable life insurance policy provided for under the AGREEMENTS.

 

  6. IBS shall indemnify, defend, save and hold harmless SYNERGY from and against any and all liabilities, expenses, costs, damages, taxes, interest, claims, obligations, deficiencies, penalties and/or losses of any nature whatsoever resulting from or arising out of any matter pre-dating the effective date of this ASSIGNMENT that IBS would otherwise be indemnified from and against under the AGREEMENTS or any amendments thereto.

 

  7. SYNERGY shall indemnify, defend, save and hold harmless IBS from and against any and all liabilities, expenses, costs, damages, taxes, interest, claims, obligations, deficiencies, penalties and/or losses of any nature whatsoever resulting from or arising out of any matter that occurs on or after the effective date of this ASSIGNMENT that IBS would otherwise be indemnified from and against under the AGREEMENTS or any amendments thereto.

 

  8. Except as the parties hereto may otherwise agree in writing, within ten (10) business days following the effective date of this ASSIGNMENT, IBS shall deliver to SYNERGY a legible photocopy of each AGREEMENT assigned hereunder.

 

  9. Each of IBS and SYNERGY hereby agrees to execute and deliver such documents, and to take such other actions, as may be reasonably requested by the other party hereto in order to evidence or give effect to the transactions contemplated by this ASSIGNMENT.

 

  10. No cash, royalty or other consideration shall be payable by any party hereto in connection with the assignment or the performance by any party of its obligations under this ASSIGNMENT.

 

  11. This ASSIGNMENT shall inure to the benefit of and be binding upon the respective successors and assigns of IBS and SYNERGY.

[Signatures on next page]

 

2


IN WITNESS WHEREOF, each of the parties hereto has caused this ASSIGNMENT to be executed by its duly authorized officer on the date set forth below.

 

INVESTORS BROKERAGE SERVICES, INC.

  

SYNERGY INVESTMENT GROUP, LLC

By:   

/S/    STEVE CALLAWAY

   By:   

/S/    JEFFREY D. JONES

Name:   

Steve Callaway

   Name:   

Jeffrey D. Jones

Title:   

President

   Title:   

Manager

Date:         Date:     

 

3


ASSIGNMENT OF SELLING AGREEMENTS

Exhibit A

Form of Selling Group Agreement

 

Selling Group Agreement   LOGO

Kemper Investors Life

Insurance Company (KILICO)

Administrative Offices:

PO Box 19097

Greenville, SC 29602-9097

800/449-0523

THIS AGREEMENT (“Agreement”) is made by and between Investors Brokerage Services, Inc. (“IBS”) Principal underwriter/distributor of variable products issued by Kemper Investors Life Insurance Company and Broker-Dealer.

RECITALS:

 

A. IBS, pursuant to the provisions of Distribution Agreements (“Distribution Agreements”) between it and Kemper Investors Life Insurance Company (“KILICO”) and between it and Federal Kemper Life Assurance Company (“FKLA”), acts as the principal underwriter of certain variable annuity contracts and variable life insurance policies (the “variable products” or “Contracts”) issued by KILICO and FKLA. Such Contracts, and the investment options available thereunder, are identified in Schedule 1 to this Agreement at the time that this Agreement is executed, and such other Contracts that may be added to Schedule 1 from time to time in accordance with Section 1.5 of this Agreement. IBS desires that Broker-Dealer distribute such variable products in those states or jurisdictions in which Broker-Dealer, IBS, KILICO, FKLA and the Contracts are appropriately licensed, qualified or approved, and Broker-Dealer desires to sell such Contracts, through its agents in such states or jurisdictions, on the terms and conditions set forth hereinafter. KILICO and FKLA have authorized IBS to enter into separate written agreements with broker-dealers pursuant to which such broker-dealers would be authorized to participate in the distribution of the Contracts and would agree to use their best efforts to solicit applications for the Contracts to the general public.

 

B. KILICO and FKLA, pursuant to General Agent Agreements, have authorized Broker-Dealer or an affiliate to act as a general agent (“General Agent”) for the solicitation of applications for the Contracts and to engage in the distribution activities contemplated by this Agreement and such General Agent Agreements.

 

C. The parties to this Agreement desire that Broker-Dealer be authorized to solicit applications for the sale of the Contracts to the general public subject to the terms and conditions set forth herein.

NOW, THEREFORE, in consideration of the premises and of the mutual promises and covenants hereinafter set forth, the parties agree as follows:

Section 1: Representations and Warranties; Authorizations

 

1.1 Broker-Dealer agrees to use its best efforts on behalf of IBS while performing the functions set forth herein. Broker-Dealer shall be free to exercise its own judgment as to whom to solicit and the time, place, and manner of solicitation. Broker-Dealer shall pay all expenses incurred by it hereunder and shall comply with all applicable federal and state laws, ordinances and regulations relating thereto.

 

1.2 Broker-Dealer is authorized, except as hereinafter specifically provided, to cause its representatives (“Registered Representatives”) to sell such Contracts in the states and jurisdictions in which Broker-Dealer and its Registered Representatives are appropriately licensed, registered or otherwise qualified and in which the Contracts are duly authorized. Broker-Dealer shall not have the authority nor shall it grant such authority to any of its Registered Representatives, on behalf of IBS, and KILICO and/or FKLA: to make, alter or discharge any Contract or other contract entered into pursuant to a Contract; to waive any Contract’s forfeiture provisions; to extend the time of paying any premiums; or to receive any monies or premiums from applicants for or purchasers of the Contracts (except for the sole purpose of forwarding monies or premiums to KILICO or FKLA). IBS, in its sole discretion, may reject any application for a Contract submitted to it by the Broker-Dealer or any of its Registered Representatives.

 

1.3 IBS, subject to the terms and conditions contained herein, hereby authorizes Broker-Dealer as an independent contractor, on a non-exclusive basis, to make sales of such Contracts for which IBS acts as distributor. Broker-Dealer agrees to direct the sales activities of its Registered Representatives and to enforce written supervisory procedures to assure strict compliance with applicable rules and regulations under the Securities Exchange Act of 1934 (“1934 Act”), the National Association of Securities Dealers, Inc. (“NASD”) rules, and other applicable federal and state statutes and regulations.

 

1.4 Nothing herein contained shall constitute Broker-Dealer or any of its Registered Representatives as employees of IBS, KILICO or FKLA in connection with the solicitation of applications for the Contracts.

 

1.5 Schedule 1 to this Agreement may be amended by IBS at its sole discretion from time to time to include other Contracts (or investment options) distributed by IBS pursuant to the Distribution Agreements or other distribution agreements with KILICO and FKLA, or to delete Contracts (or investment options) from the Schedule. The provisions of this Agreement shall be equally applicable to each Contract listed on Schedule 1 unless the context otherwise requires.

Section 2: Representations and Warranties: Registration, Licensing and Compliance

 

2.1 Broker-Dealer represents, warrants and covenants that:

 

  a. It is and will remain at all times during the terms of this Agreement a member in good standing of the NASD and a broker-dealer duly registered with the Securities and Exchange Commission (“SEC”) under the 1934 Act and licensed as a broker-dealer in each state or other jurisdiction in which Broker-Dealer intends to perform its functions and fulfill its obligations under this Agreement.

 

  b. It is in compliance, and during the term of this Agreement, will remain in compliance, with all applicable federal and state security laws and regulations and the requirements of the NASD and any applicable securities exchanges of which it is a member.

 

  c. It is a corporation organized, existing and in good standing under applicable state law and is qualified to do business as a corporation in those states or jurisdictions where it is or will be doing business.

 

KI – 8259

   1 of 4
250 (12/06)


 

  d. Only Registered Representatives of Broker-Dealer who are agents of KILICO and FKLA, and who are licensed, registered, or otherwise qualified to offer and sell the variable products, may do so under this Agreement and as permitted under the applicable insurance laws of such state or jurisdiction under which the Registered Representatives are authorized to perform their activities.

 

  e. It is in compliance with all applicable insurance laws and regulations, including without limitation state insurance laws and regulations imposing insurance licensing requirements.

 

  f. It shall carry out its sales and administrative obligations under this Agreement in continued compliance with federal and state laws and regulations, including those governing securities and/or insurance-related activities or transactions, as applicable.

 

  g. It has blanket bond insurance coverage. Broker-Dealer has the affirmative duty to maintain its blanket bond insurance coverage. Broker-Dealer will notify IBS immediately in the event a determination is made to cancel, terminate or substantially modify its blanket bond insurance coverage.

 

2.2 Broker-Dealer will be responsible for the training, supervision and control of its Registered Representatives engaged in the offer and sale of the Contracts and will supervise strict compliance with applicable federal and state securities laws and NASD rules. IBS shall have no responsibility in connection with such program of supervision and compliance.

 

2.3 If General Agent is an Affiliate of Broker-Dealer as reflected in Recital B. to this Agreement, then by engaging in the distribution activities contemplated by this Agreement, Broker-Dealer represents and warrants either that:

a. Broker-Dealer

 

  (i) Has obtained a letter from the Staff of the SEC advising Broker-Dealer that the Staff will not recommend enforcement action if General Agent is not registered as a broker-dealer with the SEC; or

 

  (ii) Is relying upon a no-action letter issued by the Staff of the SEC at the request of a broker-dealer that, also, was a licensed insurance agent engaged in distribution activities similar to those contemplated by this Agreement, and where the Staff did not recommend enforcement action if the insurance agent was not registered as a broker-dealer with the SEC; and

 

  (iii) Is complying and will continue to comply with the conditions set forth in such letters at all times while this Agreement is in effect; or

b. that at the time that this Agreement becomes effective and during the term of this Agreement

 

  (i) General Agent is wholly-owned by Broker-Dealer or an affiliated person of Broker-Dealer or is wholly-owned by one or more associated persons of Broker-Dealer;

 

  (ii) General Agent and its personnel will be “associated persons” of Broker-Dealer within the meaning of Section 3(a)(18) of the 1934 Act;

 

  (iii) General Agent will engage in the offer or sale of the Contracts only through persons who are also Registered Representatives of Broker-Dealer;

 

  (iv) General Agent will not receive or handle customer funds or securities;

 

  (v) Broker-Dealer will be responsible for the training, supervision and control of its Registered Representatives engaged in the offer or sale of the Contracts on behalf of General Agent, as required under the 1934 Act, the NASD rules and other applicable federal and state statutes and regulations, and will also be responsible for the supervision and control of any of its associated persons who are owners, directors, or executive officers of General Agent;

 

  (vi) Broker-Dealer will, in the offer and sale of the Contracts by it or General Agent, comply with all applicable requirements of the 1934 Act and the NASD, including the requirement to maintain and preserve books and records under Section 17(a) of the 1934 Act and the rules thereunder; and

 

  (vii) Commissions and fees relating to the Contracts will be reflected in the quarterly FOCUS reports and the fee assessment reports filed by Broker-Dealer with the NASD.

 

2.4 Broker-Dealer shall notify IBS and KILICO and FKLA immediately in writing if Broker-Dealer fails to comply with any of the applicable provisions set forth above.

 

2.5 IBS represents and warrants that all Contracts are legally issued, registered and filed as required by applicable federal securities and state insurance laws.

Section 3: Sales Materials

 

3.1 Broker-Dealer shall submit to IBS, for written approval in advance of use, all promotional sales, and advertising material and signs involving the use of IBS’s, KILICO’s and FKLA’s name and/or pertaining to the sale of any Contract.

 

3.2 IBS will file such materials or will cause such materials to be filed with the SEC, the NASD, and with any state securities regulatory authorities, as appropriate.

Section 4: Compensation

 

4.1 Except as otherwise stated herein, Broker-Dealer shall be entitled to commissions with respect to sales of such Contracts it shall make in accordance with the Schedule of Commissions under the General Agent Agreements with KILICO and FKLA. Commissions are payable by KILICO and FKLA through IBS or as otherwise permitted by law or regulations. Any obligation of IBS to pay such commissions will occur only following receipt of such amounts by IBS from KILICO or FKLA.

Section 5: Term and Exclusivity of Agreement

 

5.1 No relationship of principal and agent or partnership or joint venture between the parties hereto is intended to be established and neither party shall hold itself out as the agent, partner or joint venturer of or with the other party in any respect whatsoever. Except for this Agreement and the General Agent Agreement, no other legal relationship is intended between the parties.

 

5.2 This Agreement may be terminated at any time by either party upon thirty (30) days written notice to the other, and may be terminated immediately by IBS for cause. For purposes of this Section, “cause” shall mean failure to return money to clients where appropriate, failure to account for any money received from or on behalf of IBS, any fraud, misrepresentation or dishonesty in any relationship with IBS, its affiliates, or any past, present or proposed client, violation of any federal or state law or regulation, or violation of any of the terms of this Agreement.

 

KI – 8259

   2 of 4
250 (12/06)


5.3 Notice of termination shall be deemed to be given on the day mailed or delivered by hand to an officer of either party. If mailed to IBS, such notice shall be addressed to the principal office of IBS, and if mailed to the Broker-Dealer, shall be addressed to the last known address as shown on the records of IBS.

Section 6: Complaints and Investigations

 

6.1 Broker-Dealer shall cooperate fully in any securities or insurance regulatory investigation or proceeding or judicial proceeding with respect to IBS, KILICO and FKLA, and/or Broker-Dealer and its Registered Representatives or any Affiliate, to the extent that such investigation or proceeding is in connection with the Contracts marketed under this Agreement.

Section 7: Assignment

 

7.1 Broker-Dealer may not assign this Agreement without the prior written approval of IBS.

 

7.2 This Agreement is exclusively for and shall inure to the benefit of the parties hereto, their respective heirs, legal representatives, successors and assigns and shall not be deemed to create any rights for the benefit of third parties.

Section 8: Confidentiality

 

8.1 Each party will keep confidential information it may acquire as a result of this Agreement regarding IBS, its affiliates’ and subsidiaries’ affairs, including any customer list or other propriety information that it may acquire in the performance of this Agreement, and shall not use such customer list or information without the prior written consent of the other party which requirement shall survive the termination of this Agreement.

Section 9: Modification of Agreement

 

9.1 This Agreement supersedes all prior agreements, either oral or written, between the parties relating to the Contracts and, except for any amendment of Schedule 1 pursuant to the terms of Section 1.5 hereof or of the Schedule of Commissions pursuant to the terms of Section 4 hereof, may not be modified in any way unless by written agreement signed by all of the parties.

Section 10: Indemnification

 

10.1 Broker-Dealer shall be responsible and liable for any damages arising out of the acts or omissions of Broker-Dealer, its Registered Representatives, and/or its employees and does hereby agree to indemnify and hold IBS harmless against any loss or expense arising out of any of its Registered Representatives, any Affiliate and/or employees failure to carry out fully and without negligence the duties and responsibilities assigned to it herein.

 

10.2 If any action or proceeding shall be brought against Broker-Dealer relating to a Contract sold pursuant to this Agreement, Broker-Dealer shall give prompt written notice to IBS.

 

10.3 In the event of any dispute with a Contract owner, IBS shall have the right to take such action as IBS may in its sole discretion deem necessary to promptly effect a mitigation of damages or limitation of losses without obtaining the prior consent of Broker-Dealer and without waiving or electing to relinquish any rights or remedies IBS may have against Broker-Dealer.

 

10.4 IBS shall have the right to settle with any Contract owner engaged in a dispute with IBS or Broker-Dealer without the prior consent of Broker-Dealer and without waiving or electing to relinquish any rights or remedies IBS may have against Broker-Dealer.

 

10.5 The indemnification provisions of this Agreement shall remain operative and in full force and effect, regardless of the termination of this Agreement and shall survive any such termination.

 

10.6 Without limiting the foregoing indemnities, IBS and Broker-Dealer each agree to indemnify and hold harmless the other against any breach of representation, warranty or covenant herein by the indemnifying party.

Section 11: Right, Remedies, etc. are Cumulative

 

11.1 The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal laws. Failure of either party to insist upon strict compliance with any of the conditions of this Agreement shall not be construed as a waiver of any of the conditions, but the same shall remain in full force and effect. No waiver of any of the provisions of this Agreement shall be deemed, or shall constitute a waiver of any other provisions, whether or not similar, nor shall any waiver constitute a continuing waiver.

Section 12: Notices

 

12.1 All notices hereunder are to be made in writing and shall be either hand delivered or transmitted by registered or certified United States mail with return receipt requested to the principal office of the party and shall be effective upon delivery, except as otherwise provided in Section 5.2 of this Agreement.

Section 13: Interpretation, Jurisdiction, etc.

 

13.1 This Agreement constitutes the whole agreement between the parties hereto with respect to the subject matter hereof, and supersedes all prior oral or written understandings, agreements or negotiations between the parties with respect to the subject matter hereof. No prior writings by or between the parties hereto with respect to the subject matter hereof shall be used by either party in connection with the interpretation of any provisions of this Agreement.

 

13.2 This Agreement is made in the State of Illinois, and all questions concerning its validity, construction or otherwise shall be determined under the laws of Illinois without giving effect to principles of conflict of laws.

Section 14: Headings

 

14.1 The headings in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

 

KI – 8259

   3 of 4
250 (12/06)


Section 15: Counterparts

 

15.1 This Agreement may be executed in two or more counterparts, each of which taken together shall constitute one and the same instrument.

Section 16: Severability

 

16.1 This is a severable Agreement. In the event that any provisions of this Agreement would require a party to take action prohibited by applicable federal or state law or prohibit a party from taking action required by applicable federal or state law, then it is the intention of the parties hereto that such provisions shall be enforced to the extent permitted under the law, and, in any event, that all other provisions of this Agreement shall remain valid and duly enforceable as if the provision at issue had never been a part hereof.

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the day and year indicated below.

 

 

INVESTORS BROKERAGE SERVICES, INC.

     

(Broker/Dealer)

    (Broker/Dealer)
       

By

    By
       
Print Name     Print Name
       
Title     Title
       
Date     Date

800/449-0523

     
Phone Number     Phone Number

864/609-3961

     
Fax Number     Fax Number

 

 

KI – 8259

   4 of 4
250 (12/06)


ASSIGNMENT OF SELLING AGREEMENTS

Exhibit B

Selling Broker-Dealers

 

KILICO
DESTINATIONS
BROKER-
DEALERS
AGENCY NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

1 FINANCIAL MARKETPLACE SEC

  TWO BALA PLAZA   #300     BALA
CYNWYD
  PA   19004

1717 BROKERAGE SERVICES INC

  300 CONTINENTAL DRIVE #3 SOUTH       NEWARK   DE   19713

1ST GLOBAL CAPITAL CORP

  ATTN DAVID E HORTON JR   401 E STRELING STREET     BAYTOWN   TX   77520

A G EDWARDS & SONS INC

  ONE N JEFFERSON   MAIL CODE: MO1120     ST LOUIS   MO   63103

AAG SECURITIES/DAVID WOLFE

  8301 GOLDEN VALLEY RD #250       MENNEAPOLIS   MN   55427

ABN AMRO FINANCIAL SERV INC

  ATTN MARIANNE PATRICELLI   135 S LASALLE ST   SUITE 2111   CHICAGO   IL   60603

ACCESS INVESTMENTS INC

  3621 N W 63RD       OKLAHOMA
CITY
  OK   73116

ADVANTAGE CAPITAL CORP

  ATTN TODD W MCLANE   14015 PARK DR #111     TOMBALL   TX   77377

ADVISORY GROUP EQUITY

  264 N MAIN STREET       NATICK   MA   1760

ALLEGHENY INVESTMENTS LTD

  3000 MCKNIGHT EAST DRIVE       PITTSBURGH   PA   15237

ALLEGIANT SECURITIES LLC

  200 SE 1ST   STE 502     MIAMI   FL   33131

ALLSTATE FINANCIAL SERVICES

  2920 S 84TH ST       LINCOLN   NE   68506

AMCORE INSURANCE GROUP INC

  501 7TH STREET       ROCKFORD   IL   61110

AMERICAN CAPITAL CORP

  1260 VALLEY FORGE RD, STE 104       VALLEY
FORGE
  PA   19482

AMERICAN FRONTEER FINANCIAL CORP

  1700 LINCOLN ST   SUITE 3200     DENVER   CO   80203

AMERICAN GENERAL SEC INC

  2727 ALLEN PKWY W20 51       HOUSTON   TX   77019

AMERICAN MUNICIPAL SECURITIES INC

  720 2ND AVE SOUTH       ST
PETERSBURG
  FL   33701

AMERITAS INVESTMENT CORP

  5900 O STREET 4TH FL       LINCOLN   NE   68510

ARAGON FIN SVCS INC

  555 POINTE DR BLDG 3 STE 204       BREA   CA   92821

ARETE WEALTH MANAGEMENT

  9 CRYSTAL LAKE RD   STE 100     LAKE IN THE
HILLS
  IL   60156

ARQUE CAPITAL LTD

  5080 NORTH 40TH ST.# 103       PHOENIX   AX   85018

ARVEST ASSET MANAGEMENT

  ATTN: JEFF KINARD   201 W WALNUT     ROGERS   AR   72756

ASCEND FINANCIAL SERVICES, INC

  400 ROBERT STREET NORTH       ST PAUL   MN   55101

ASSOCIATED PLANNERS INS SVCS

  PO BOX 92403       LOS ANGELES   CA   90009

ATLANTIC COAST FINANCIAL

  3800 W BAY TO BAY BLVD   SUITE 22     TAMPA   FL   33629

ATTKISSON, CARTER & AKERS, INC

  3060 PEACHTREE RD, SUITE 1400       ATLANTA   GA   30305

AURA FINANCIAL SERVICES INC

  600 BEACON PDKWY. WEST, #950       BIRMINGHAM   AL   35209

AVALON INVESTMENT & SEC

  404 AVALON AVE       MUSCLE
SHOALS
  AL   35662

BANKERS & INVESTORS CO

  P.O. BOX 171297       KANSAS CITY   KS   66117

BEASONSFIELD FINANCIAL SERVICE

  101 W MALL PLAZA   SUITE 204     CARNEGIE   PA   15106

BGS & G INVESTMENT SVCS INC

  44 BALTIMORE STREET       CUMBERLAND   MD   21502

BIRCHTREE FINANCIAL SVCS INC

  ATTN CHRISTOPHER CLARK   P O BOX 119041     KANSAS CITY   MO   64171

BLUE MARBLE FINANCIAL LLC

  12221 MERIT DR   #1200     DALLAS   TX   75251

BRECEK & YOUNG ADVISORS

  P O BOX 6180       FOLSOM   CA   95763

BROOKSTREET SECURITIES CORP

  2361 CAMPUS DRIVE, #210       IRVINE   CA   92612

CADARET GRANT & CO INC

  200 VALLEY ROAD SUITE 106       MT.
ARLINGTON
  NJ   7856

CALTON & ASSOCIATES INC

  14497 N DALE MABRY HWY 215       TAMPA   FL   33618

CANTELLA INSURANCE AGENCY INC

  2 OLIVER ST 11TH FLOOR       BOSTON   MA   2109

CAPITAL ANALYSTS INC

  THREE RADNOR CORPORATE
CENTER
  100 MATSONFORD ROAD 4TH FLO     RADNOR   PA   19087

CAPITAL GUARDIAN, LLC

  420 PARK ST   STE 100     BELMONT   NC   28012

CAPITAL SEC INVST CORP

  2210 MIDWEST ROAD SUITE 100       OAK BROOK   IL  

CAPITAL SELECT INVESTMENTS

  28 SOUTH COURT STREET       SULLIVAN   IN   47882

CAPITAL WEST SECURITIES

  211 N ROBINSON #200       OKLAHOMA
CITY
  OK   73102

CAPSTONE INVESTMENTS

  4660 LA JOLLA VILLAGE DR, #1040       SAN DIEGO   CA   92122

CARILLON MARKETING AGCY OF PA

  P O BOX 40409       CINCINNATI   OH   45240

CAROLINAS INVESTMENT CONSULTING LLC

  5605 CARNEGIE BLVD.; #400       CHARLOTTE   NC   28209

CASCADE INVESTMENT GROUP INC

  90 S CASCADE AVE   SUITE 1250     COLORADO
SPRINGS
  CO   80903

CENTAURUS FINANCIAL

  7255 E CORONADO ROAD       SCOTTSDALE   AZ   85257

CENTENNIAL CAPITAL MANAGEMENT

  999 PEACHTREE ST. NE, SUITE 2670       ATLANTA   GA   30309

CENTENNIAL SECURITIES CO INC

  3075 CHARLEVOIX DRIVE SE   PO BOX 6217     GRAND
RAPIDS
  MI   49516

CENTURA SECURITIES, INC

  7852 ARBORETUM DRIVE 2ND FLOOR       CHARLOTTE   NC   28270

CENTURY SECURITIES ASSOC INC

  501 NORTH BROADWAY   ANNUITY OPPERATIONS     ST LOUIS   MO   63102

CFD INVESTMENTS INC

  608 E BOULEVARD       KOKOMO   IN   46902

CHAPMAN SECURITIES

  800 E. 1ST STREET, SUITE 400       WICHITA   KS   67202

CHARTER ONE SECURITIES, INC (F/K/A) INVESTMENT NETWORK INC)

  10035 W GRAND AVE 4TH FLOOR       FRANKLIN
PARK
  IL   60131

CHASE INSURANCE AGENCY INC

  P O BOX 689857       MILWAUKEE   WI   53268

CHOICE INVESTMENT PRODUCTS

  7800 SHOAL CREEK BLVD   STE #100N     AUSTIN   TX   78757

CITY SECURITIES CORP

  135 N PENNSYLVANIA ST #2200   ATTN PRODUCTS DEPT     INDIANAPOLIS   IN   46204

CJM PLANNING CORP

  26-01 PELLACK DRIVE       FAIR LAWN   NJ   7410

CLEARING SERV OF AMERICA INC

  77 WEST PORT PLAZA SUITE 263       ST LOUS   MO   63146

COMMONWEALTH EQUITY SVCS INC

  186 MAINE ST       BRUNSWICK   ME   4011

COMMONWEALTH INVESTMENT SERVIC

  2353 ALEXANDRIA DRIVE, #140       LEXINGTON   KY   40504

COMPASS BROKERAGE INC

  15 SOUTH 20TH STREET       BIRMINGHAM   AL   35233

COMPULIFE INC

  7325 BEAUFONT SPRINGS DR       RICHMOND   VA   23225

CONSECO SECURITIES, INC (MDS OF N.J. INSURANCE AGENCY)

  301 GIBRALTAR DRIVE   SUITE 2A     MORRIS
PLAINS
  NJ   7950

CONSERVATIVE FINANCIAL SERVICES, INC

  225 E COLUMBIA       FARMINGTON   MO   63640


KILICO
DESTINATIONS
BROKER-
DEALERS
AGENCY NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

CONSUMER CONCEPTS INVESTMENTS

  5000 AUSTELL POWDER SPRINGS RD   SUITE 277     AUSTELL   GA   30106

CONTINENTAL INVESTORS SERVICES

  1330 BROADWAY STREET       LONGVIEW   WA   98632

CORRELL CO INVST SVCS CORP

  9655 S 78TH AVENUE       HICKORY HILLS   IL   60457

CPA ADVISORS NETWORK INC

  10 WEYBOSSER ST   SUITE 903     PROVIDENCE   RI   2903

CROSS INSURANCE INTL GROUP

  C/O SERVICE ASSET MGT CO   200 CONCORD PLZA #720     SAN ANTONIO   TX   75216

CROWN CAPITAL SEC/B MEYERS

  725 TOWN & COUNTRY RD #530       ORANGE   CA   92868

CUE FINANCIAL GROUP INC

  3200 N CENTRAL AVE STE 200       PHOENIX   AZ   85012

CUNA MUTUAL INS AGENCY INC

  2000 HERITAGE WAY       WAVERLY   IA   50677

CUSO FINANCIAL SERVICES LP

  10455 SORRENTO VALLEY RD   STE 210     SAN DIEGO   CA   92121

CUSO FINANCIAL SERVICES LP

  7220 TRADE ST STE 310       SAN DIEGO   CA   92121

D A DAVIDSON & CO INC

  8 THIRD ST NORTH       GREAT FALLS   MT   59403

DAIN RAUSCHER INC

  60 SOUTH SIXTH ST   MAIL STOP P08     MINNEAPOLIS   MN   55402

DAVID A NOYES & CO

  209 S. LASALLE ST       CHICAGO   IL   60604

DAVID LERNER ASSOCIATES, INC

  477 JERICHO TURNPIKE       SYOSSET   NY   11791

DEAN WITTER PEYNOLDS INC (DESTINATIONS LIMITED TO SCOTT MILLER JM195, PAUL MARRELLA JR AND PAUL MARRELLA DR)

  2 WORLD TRADE CENTER 74th
FLOOR
      NEW YORK   NY   10048

DELTA TRUST INSURANCE AGENCY INC

  401 W. CAPITOL AVE., STE 505       LITTLE ROCK   AR   72201

DEMPSEY FINANCIAL NETWORK

  2951 PIEDMONT ROAD       ATLANTA   GA   30305

DEUTSCHE BANK INS AGENCY INC

  ONE SOUTH ST   24TH FLOOR     BALTIMORE   MD   21202

DEWAAY FINANCIAL NETWORK, LLC

  13001 UNIVERSITY AVE       CLIVE   IA   50325

DON ALEXANDER INVESTMENTS INC

  1301 W 22ND ST; # 713       OAK BROOK   IL   60523

DONAHUE SECURITIES, INC.

  105 EAST 4TH STREET STE 800       CINCINNATI   OH   45202

DORTCH SECURITIES & INVESTMENTS, INC

  2200 HARRISON STREET, SUITE A       BATESVILLE   AR   72501

EDI FINANCIAL INC

  12221 MERIT DR   1020     DALLAS   TX   75251

EDWARD D JONES & CO

  201 PROGRESS PARKWAY       MARYLAND HEIGHTS   MO   63043

EDWIN C BLITZ INVESTMENTS

  3330 OLD GLENVIEW RD   SUITE 12     WILMETTE   IL   60091

EE POWELL & CO. INC.

  200 NORTHPOINTE CIRCLE   SUITE 304     SEVEN FIELDS   PA   16046

EMPIRE FINANCIAL GROUP INC

  1385 WEST ST RD 434       LONGWOOD   FL   32750

EMPIRE SECURITIES CORP

  10 UNIVERSAL CITY PLAZA   20TH FL     UNIVERSAL CITY   CA   91608

EMPIRE SECURITIES INC OF WA

  222 N WALL ST SUITE 310       SPOKANE   WA   99201

ENERIC FINANCIAL SERVICES INC

  54 W BURLINGTON AVE       FAIRFIELD   IA   52556

EPLANNING SECURITIES, INC

  650 CALIFORNIA STREET, 29TH
FLOOR
      SAN FRANCISCO   CA   94108

ESSEX NATIONAL SECURITIES INC

  215 GATEWAY RD WEST       NAPA   CA   94558

EVEREN SECURITIES INC

  77 W WACKER DR       CHICAGO   IL   60601

EXCALIBUR FINANCIAL GROUP

  113 CORONADO CT   BLDG 5     FORT COLLINS   CO   80525

FASCO INTERNATIONAL INC

  20264 E CARREY RD       WALNUT   CA   91789

FECHTOR DETWILER & CO INC             C/O JMC INS SERV CORP

  9710 SCRANTON RD #100       SAN DIEGO   CA   92121

FENWICK SECURITIES, INC

  5217 LOVERS LANE       KALAMAZOO   MI   49002

FFP SECURITIES/J PERALTA

  15455 CONWAY RD   2ND FLOOR     CHESTERFIELD   MO   63017

FIFTH THIRD SECURITIES, INC

  7170 W DONGES BAY RD       MEQUON   WI   53092

FINANCIAL LINKS

  P 0 BOX 99141       RALEIGH   NC   27624

FINANCIAL NETWORK INVSTMT CORP

  ATTN: COMMISSIONS DEPARTMENT   2780 SKYPARK DR #300     TORRANCE   CA   90505

FINANCIAL SECURITY MANAGEMEBNT INC

  448 VIKING DR., STE 240       VIRGINIA BEACH   VA   23452

FINANCIAL SOLUTIONS INT'L LLC

  11641 KEW GARDENS AVE.; #101       PALM BEACH GARDENS   FL   33410

FINANCIAL WEST INVST

  4510 E THOUSAND OAKS BLVD #100       WEST LAKE VILLAGE   CA   91362

FINTEGRA, LLC

  ATTN: COMMISSIONS   6120 EARLE BROWN DR #550     BROOKLYN CENTER   MN   55430

FIRM INVESTMENT CORP

  6 STONE RIDGE DRIVE       WATERVILLE   ME   4901

FIRST ALLIED SECURITIES INC

  6970 MIRAMAR RD       SAN DIEGO   CA   92121

FIRST DUNBAR SECURITIES CORP

  50 CONGRESS STREET       BOSTON   MA   2109

FIRST FINANCIAL EQUITY CORPORATION

  7373 N SCOTTSDALE RD   STE D120     SCOTTSDALE   AZ   85253

FIRST FINANCIAL INVESTMENTS IN

  1201 ELM STREET SUITE 3500       DALLAS   TX   75270

FIRST HEARTLAND CAPITAL

  ONE MID RIVERS MALL DRIVE, STE
230
      ST PETERS   MO   63376

FIRST MIAMI SECURITIES, INC

  301 YAMATO ROAD       BOCA RATON   FL   33431

FIRST MONTAUK SECURITIES CORP

  328 NEWMAN SPRINGS RD   PARKWAY 109 OFFICE
CENTER
    RED BANK   NJ   7701

FIRST SECURITY INVESTMENTS INC

  303 MARKET ST       KINGSTON   PA   18704

FIRST WALL STREET CORP

  1200 PROSPECT STREET SUITE 350       LA JOLLA   CA   92037

FISERV INVESTOR SERVICES INC

  ONE COMMERCE SQUARE   2005 MARKET ST     PHILADELPHIA   PA   19103

FOCUSED INVESTMENTS LLC

  300 S WACKER DR       CHICAGO   IL   60606

FOOTHILL SECURITIES INC

  1674 N SHORELINE BLVD       MOUNTAIN VIEW   CA   94043

FORTUNE FINANCIAL SERVICES INC

  1010 3RD AVE       NEW BRIGHTON   PA   15066

FOX & COMPANY INVESTMENTS

  5080 NORTH 40TH ST.# 103       PHOENIX   AZ   85018

FREEDOM FINANCIAL INC

  17500 BLONDO   STE 400     OMAHA   NE   68116

FREESTONE SECURITIES LLC

  1191 SECOND AVE   STE 2100     SEATTLE   WA   98101

FSC SECURITIES CORP

  P O BOX 101092   ATTN: LICENSING
DEPARTMENT
    ATLANTA   GA   30392

GARDNYR MICHAEL CAPITAL INC

  500 BOULEVARD PARK EAST       MOBILE   AL   36609

GATEWAY INVESTMENT SERVICES

  4565 COLORADO BLVD.       GLENDALE   CA   90039

GENEVA SECURITIES INC

  1501 E WOODFIELD RD, STE 215W       SCHAUMBURG   IL   60173

GLEN EADLE ADVISORS LLC

  200 AMERICAN METRO BLVD   SUITE 114     HAMILTON   NJ   8619


KILICO
DESTINATIONS
BROKER-DEALERS
AGENCY NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

GMR & CO SECURITIES LLC

  1120 RT 22 EAST       BRIDGEWATER   NJ   8807

GRANT BETTINGEN INC

  4100 NEWPORT PLACE   STE 630     NEWPORT BEACH   CA   92660

GOLD CAPITAL MANAGEMENT INC

  10975 EL MONTE   STE 225     OVERLAND PARK   KS   66211

GREENBRIER DIVERSIFIED, INC

  8484 WILSHIRE BLVD., #500       BEVERLY HILLS   CA   90211

GRUNTAL & CO

  77 WATER ST 10th FLOOR       NEW YORK   NY   10005

GUNN ALLEN FINANCIAL/RICK HOLT

  5002 W WATERS AVE       TAMPA   FL   33634

GWR INVESTMENTS INC

  13215 BIRCH STREET   SUITE 200     OMAHA   NE   68164

H BECK, INC (BAKER & WHITE FOR BUSINESS IN TEXAS)

  11140 ROCKVILLE PIKE 4TH FL       ROCKVILLE   MD   20852

H D VEST INVESTMNET SEC INC

  ATTN: COMMISSIONS DEPT   P O BOX 140636     IRVING   TX   75014

HACKETT ASSOCIATES INC

  1118 PENN AVE       WYOMISSING   PA   19610

HAGAR FINANCIAL CORPORATION

  1707 N RANDALL RD #310       ELGIN   IL   60123

HARBOUR INVESTMENTS INC

  ONE ODANA COURT       MADISON   WI   53719

HARRIS WEBB & GARRISON INC

  ATTN:HOWAD WONG   5599 sAN FELIPE 301     HOUSTON   TX   77056

HARVEST CAPITAL LLC

  530 SILAS DEANE HIGHWAY       WETHERSFIELD   CT   6109

HEARTLAND INVESTMENT ASSOC INC

  P.O. BOX 10167       CEDAR RAPIDS   IA   52410

HIBERNIA INVESTMENT SECURITIES, INC

  313 CARONDELET ST.       NEW ORLEANS   LA   70130

HIGH MARK SECURITIES INC

  PO BOX 24748       LAKELAND   FL   33802

HORAN SECURITIES INC

  4990 E GALBRAITH RD ST 102       CINCINNATI   OH   45236

HORNOR TOWNSEND & KENT INC

  600 DRESHER ROAD   SUITE C1C     HORSHAM   PA   19044

HORWITZ & ASSOCIATES INC

  630 DUNDEE RD       NORTHBROOK   IL   60062

HUNTLEIGH SECURITIES CORP

  10845 OLIVE BLVD       ST LOUIS   MO   63141

IFG NETWORK SEC

  3424 PEACH TREE RD. NE, SUITE
1900
      ATLANTA   GA   30326

IMS AGENCY INC

  WEST 8 TOWER   10205 WESTHEIMER #500     HOUSTON   TX   77042

INDIANAPOLIS SECURITIES INC

  4729 N CONGRESS AVE       BOYNTON BEACH   FL   33426

INSTITUTIONAL CAPITAL MANAGEMENT INC

  2500 CITY WEST BLVD   SUTIE 700     HOUSTON   TX   77042

INSTITUTIONAL SECURITIES CORP

  2800 OAK LAWN AVE       DALLAS   TX   75912

INTEGRATED TRADING & INVESTMENTS INC

  9505 HILLWOOD DR., STE 100       LAS VEGAS   NV   89134

INTERCAROLINA FINANCIAL SERVIC

  3300 BATTLEGROUND AVE #101       GREENSBORO   C   27410

INTERSECURITIES INC

  P O BOX 9053       CLEARWATER   FL   33758

INTERVEST INT'L EQUITIES CORP

  1980 DOMINION WAY 202       COLORADO SPRINGS   CO   80918

INTRUST FINANCIAL SERVICES INC

  105 N MAIN       WICHITA   KS   67201

INVEST FINANCIAL CORP

  2701 N ROCKY PT DR, 7TH FLOOR       TAMPA   FL   33607

INVESTACORP

  15450 NEW BARN RD       MIAMI LAKES   FL   33014

INVESTMENT PLANNERS INC

  201 MAIN ST       DECATUR   IL   62523

INVESTMENT PROFESSIONALS INC

  16414 SAN PEDRO AVE   STE 150     SAN ANTONIO   TX   78232

INVESTORS CAPITAL CORP

  230 BROADWAY EAST #203       LYNNFIELD   MA   1940

INVESTORS SEC CO

  110 BANK ST       SUFFOLK   VA   23434

ISG EQUITY SALES CORPORATION

  7201 W SAGINAW   SUITE 225     LANSING   MI   48917

J ALDEN ASSOCIATES INC

  261 OLD YORK ROAD   SUITE 404     JENKINTOWN   PA   19046

JB hANAUER AGENCY INC

  4 GATEHALL DRIVE       PARSIPPANY   NJ   7054

JEFFERSON PILOT SEC CORP

  ONE GRANITE PLACE       CONCORD   NH   3301

JJB HILLIARD WL LYONS INC

  P O BOX 32760       LOUISVILLE   KY   40232

KAPLAN & CO SECURITIES INC

  225 NORTHEAST MIZNER BLVD   SUITE 524     BOCA RATON   FL   33432

KESCO SECURITIES CORP

  38 BARKLEY CIR #1       FT NETERS   FL   33907

KIRKPATRICK PETTIS SMITH

  10250 REGENCY CR       OMAHA   NE   68114

KO SECURITIES INC

  2416 32ND AVE WEST       SEATTLE   WA   98199

KOVACK SECURITIES INC

  6451 NORTH FEDERAL HIGHWAY   SUITE 1201     FORT LAUDERDALE   FL   33308

KRIEGER FINANCIAL SERVICES INC

  1801 S FEDERAL HWY   SUITE 100     DELRAY BEACH   FL   33483

LAND OAK SECURITIES, LLC

  10267 KINGSTON PIKE       KNOXVILLE   TN   37922

LASALLE STREET SEC LLC

  810 WEST WASHINGTON BLVD       CHICAGO   IL   60607

LEGACY FINANCIAL SERVICES

  2090 MARINA AVE   P O BOX 6030     PETALUMA   CA   94954

LIBERTY GROUP LLC

  3923 GRAND AVE       OAKLAND   CA   94610

LIBERTY SECURITIES CORP

  600 ATLANTIC AVE       BOSTON   MA   2210

LIFEMARK SECURITIES CORP

  40 OFFICE PARK WAY       PTTSFORD   NY   14534

LIGHTHOUSE CAPITAL CORP

  659 ABREGO STREET #6       MONTEREY   CA   93940

LINCOLN FINANCIAL ADVISORS

  SECURITIES COMPENSATION 3R13   1300 S CLINTON ST 1H-
50
    FORT WAYNE   IN   46802

LINCOLN INVESTMENT PLANNING

  218 GLENSIDE AVE       WYNCOTE   PA   19095

LINSCO PRIVATE LEDGER FINANCIAL SERVICES

  5935 CORNERSTONE COURT WEST       SAN DIEGO   CA   92121

LIVADA SECURITIES INC

  1711 CONGRESS STREET       PORTLAND   ME   4102

LOMBARD SECURITIES INC

  1820 LANCASTER ST       BALTIMORE   MD   21231

LPA INS AGENCY INC (FORMERLY KNOWN AS SELECT CAPITAL CO)

  1755 CREEKSIDE OAKS DR.#290       SACRAMENTO   CA   95833

LSY INC

  DBA AMERICAN INVESTORS
COMPANY
  P O BOX 1307     SAN RAMON   CA   94583

M & I BROKERAGE SERVICES INC

  770 M WATER STREET       MILWAUKEE   WI   53202

M HOLDINGS SECURITIES INC

  1125 NW COUCH ST # 900       PORTLAND   OR   97209

M L STERN & CO INC

  8350 WILSHIRE BLVD       BEVERLY HILLS   CA   90211

MAIN STREET MANAGEMENT CO             ATTN: THERESA MARICONDA

  924-926 N MAIN ST       WALLINGFORD   CT   6492

MAIN STREET SECURITIES

  1407 MAIN ST       HAYS   KS   67601


KILICO DESTINATIONS
BROKER-DEALERS AGENCY
NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

MARION BASS SECURITIES CORP

  4000 PARK ROAD       CHARLOTTE   NC   28209

MARQUIS FINANCIAL SERVICES OF

  225 ABERDEEN DR   STE F     VARPARAISO   IN   46385

MCDONALD INVESTMENTS INC         ATTN ANNUITY DEPT

  4900 TIEDEMAN RD       BROOKLIN   OH   44144

MEDALLION EQUITIES, INC.

  9440 SHELDON ROAD       PLYMOUTH   MI   48170

MEDALLION INVESTMENT SERVICES,

  811 GOVERNOR RITCHIE HWY, #25       SEVERNA PARK   MD   21146

MESIROW FINANCIAL INC

  353 NORTH CLARK ST       CHICAGO   IL   60610

METLIFE GENERAL INSURANCE AGENCY INC

  485 E HWY ONE, THIRD FL       ISELIN   NJ   8830

METROPOLITAN INVESTMENT SEC

  601 W 1ST AVE DEPT 141000       SPOKANE   WA   99201

MICHIGAN SECURITIES INC

  21415 CIVIC CENTER DR; STE 200       SOUTHFIELD   MI   48076

MIDWEST CAPITAL MANAGEMENT

  P O BOX 7410       OVERLAND
PARK
  KS   66207

MIDWESTERN SECURITIES TRADING

  235 EVERETT STREET   P O BOX 2528     EAST PEORIA   IL   61611

MILLER JOHNSON STEICHEN

  60 S. 6TH ST. SUITE 3000       MINNEAPOLIS   MN   55402

MML INVESTORS SERVICES INC         ATTN JOHN T HASSELL

  7839 MAIN STREET       HOUMA   LA   70360

MONEY CONCEPTS CAPITAL CORP

  11440 JOG ROAD #101       PALM BEACH
GARDENS
  FL   33418

MONEY MANAGEMENT ADVISORY, INC

  102 W STREET ROAD       FEASTERVILLE   PA   10953

MONY SECURITIES CORP

  1290 AVENUE OF THE AMERICAS   MD 12-08     NEW YORK   NY   10104

MOORS & CABOR INC

  111 DEVONSHIRE STREET       BOSTON   MA   2109

MORGAN KEEGAN & CO INC

  ANNUITY COMMISSIONS   50 N FRONT ST 18TH
FL
    MEMPHIS   TN   38103

MTL EQUITY PRODUCTS, INC

  1200 JORIE BLVD       OAK BROOK   IL   60521

MULTI FINANCIAL SEC CORP

  P O BOX 5120       DENVER   CO   80217

MUTUAL SECURITIES

  28632 ROADSIDE DR #200       AGOURA HILLS   CA   91301

MWA FINANCIAL SERVICES INC

  1701 1ST AVE       ROCK ISLAND   IL   61201

NATHAN & LEWIS SECURITIES INC

  1140 AVENUS OF THE AMERICAS       NEW YORK   NY   10036

NATIONAL PLANNING CORP

  401 WILSHIRE BLVD #1100       SANTA MONICA   CA   90401

NATIONAL SECURITIES CORP

  1001 FOURTH AVENUE   SUITE 2200     SEATTLE   WA   98154

NATIONS FINANCIAL GROUP INC

  4000 RIVER RIDGE DRIVE NE   PO BOX 908     CEDAR RAPIDS   IA   52402

NBC SECURITIES INC

  1927 FIRST AVE N       BIRMINGHAM   AL   35203

NELSON INVST BRKG SVC INC

  423 COUNTRY CLUB DRIVE       WINTER PARK   FL   32789

NFP SECURITIES INC

  1250 CAPITAL OF TEXAS HWY   BLDG 2 #600     AUSTIN   TX   78746

NORTH COAST SECURITIES CORP

  595 MARKET STREET   SUITE 2100     SAN FRANCISCO   CA   94105

NORTH RIDGE SECURITIES CORP

  1895 WALT WHITMAN RD       MELVILLE   NY   11747

NORTHERN CAPITAL INSURANCE BRO

  300 BRICKSTONE SQ       ANDOVER   MA   1810

NORTHWESTERN MUTUAL INVESTMENT

  720 E WISCONSIN AVE       MILWAUKEE   WI   53202

NRP FINANCIAL INC.

  209 NORTH MAIN ST       BRYAN   OH   43508

NYLINK INSURANCE AGENCY INC         C/O ROGER CORTEZ

  335 MADISON AVE #200       NEW YORK   NY   10017

OAK BROOK SECURITIES CORP

  P O BOX 2130       DARIEN   IL   60561

OBERLIN FINANCIAL CORP

  209 N MAIN ST       BRYAN   OH   43506

OBERWEISNET INC

  951 ICE CREAM DR STE 200       NORTH AURORA   IL   60542

OFG FINANCIAL SERVICES INC

  #2 TOWNSITE PLAZA   SUITE 105     TOPEKA   KS   66603

OGILVIE SEC ADVISORS CORP

  1401 N WESTERN       LAKE FOREST   IL   60045

OLDE ECONOMIE RISK MANAGEMENT

  11 STATE ST       BADEN   PA   15005

OPPENHEIMER & CO INC

  200 PARK AVENUE 25TH FLOOR       NEW YORK   NY   10166

PACIFIC WEST SECURITIES INC

  P O BOX 860       RENTON   WA   98057

PACKERLAND BROKERAGE SERVICES

  432 SECURITY BLVD #101       GREEN BAY   WI   54313

PACVEST ASSOCIATES INC

  17 TRIPP ROAD       WOODSTOCK   CT   6281

PARK AVENUE SECURITIES

  7 HANOVER SQUARE H-4D       NEW YORK   NY   10004

PARKER HUNTER INC

  600 GRANT ST #3100       PITTSBURGH   PA   15219

PARTNERS INVESTMENT NETWORK

  601 W RIVERSIDE #1510       SPOKANE   WA   99201

PAULSON INVESTMENT CO INC

  811 SW NAITO AVE STE 200       PORTLAND   OR   97204

PEB FINANCIAL GROUP INC

  ATTN: MICHAEL O'MALLEY   20 E. JACKSON BLVD
#200
    CHICAGO   IL   60604

PENSION PLANNERS SECURITIES

  ATTN: COMMISSIONS
DEPARTMENT
  9700 BUSINESS PARK
DR #102
    SACRAMENTO   CA   95827

PEREGRINE FINANCIALS & SEC INC

  190 S LASALLE ST 7TH FLOOR       CHICAGO   IL   60603

PFIC SECURITIES CORPORATION

  C/O INVEST FINANCIAL CORP   8745 HENDERSON
RD #300
    TAMPA   FL   33634

PHILLIPS FINANCIAL SERVICES, INC.

  2785 DEN-MIL DRIVE       LANCASTER   PA   17601

PHSG AGENCY LLC

  2999 N 44TH STREET #100       PHOENIX   AZ   85018

PLAN MEMBER SECURITIES INC

  6187 CARPINTERIA AVE       CARPINTERIA   CA   93013

PLANNED INVESTMENT CO INC

  9265 COUNSELORS ROW #150       INDIANAPOLIS   IN   46240

PLANNING CORP OF AMERICA

  880 CARILLON PARKWAY TOWER 3       ST. PETERSBURG   FL   33716

PMG CAPITAL CORP

  FOUR FALLS CORP CTR   6TH FLOOR     W
CONSHOHOCKEN
  PA   19428

PMK SECURITIES & RESEARCH INC

  310 E ATLANTIC AVE       DELRAY BEACH   FL   33487

PRESIDENTIAL BROKERAGE INC

  5445 DTC PARKWAY   STE 1050     GREENWOOD   CO   80111

PRIM SECURITIES INCORPORATED

  200 PUBLIC SQUARE   SUITE 2500     CLEVELAND   OH   44114

PRIME CAPITAL SERVICES

  11 RAYMOND AVENUE       POUGHKEEPSIE   NY   12603

PRIMESOLUTIONS SECURITIES INC

  17601 W 130TH ST   #7     CLEVELAND   OH   44133

PRIMEVEST FINANCIAL SVCS INC

  400 1ST STREET   SUITE #300     ST CLOUD   MN   56301

PRIVATE CONSULTING GROUP INC

  4650 SW MACADAM AVE, SUITE 100       PORTLAND   OR   97239

PROACTIVE FINANCIAL SVCS INC

  21 HAWKRIDGE CIRCLE       LAKE ST LOUIS   MO   63366


KILICO DESTINATIONS
BROKER-DEALERS
AGENCY NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

PROEQUITIES INC

  2801 HIGHWAY #280 S       BIRMINGHAM   AL   35223

PROFESSIONAL B/D FIN PLANNING

  1111 WEST WOLFESNBERGER RD       CASTLE ROCK   CO   80104

PROVIDENT SEC & INV CO (F/K/A TOWER AGENCY INC)

  1 E 4TH ST.       CINCINNATI   OH   45202

QA3 FINANCIAL CORP

  ONE VALMONT PLAZA   4TH FLOOR     OMAHA   NE   68154

QUESTAR AGENCY INC

  5701 GOLDEN HILLS DR       MINNEAPOLIS   MN   55416

RDM INVESTMENT SERVICES INC.

  1555 POST ROAD EAST       WESTPORT   CT   6880

RE-DIRECT SECURITIES CORP

  721 E MADISON       VILLA PARK   IL   60181

RESOURCE HORIZONS GROUP LLC

  1350 CHURCH ST. EXT. NE-3RD       MARIETTA   GA   30060

RICE PONTES CAPITAL INC

  2570 SAN RAMON VALLEY BLVD   STE A201     SAN RAMON   CA   94583

RM STARK & CO, INC

  701 SE 6 AVENUE, SUITE 100       DELRAY BEACH   FL   33483

ROBERT B AUSDAL & CO INC

  220 N. MAIN ST.   SUITE 400     DAVENPORT   IA   52801

ROBERT W BAIRD & COMPANY

  ATTN ANNUITIES DEPARTMENT   777 EAST WISCONSIN AVE     MILWAUKEE   WI   53202

RONEY INS AGENCY OF MI (RONEY & CO)

  ONE GRISWOLD STREET       DETROIT   MI   48226

ROUND HILL SEC INC

  404 S MAIN ST       HENDERSONVILLE   NC   28792

ROYAL ALLIANCE ASSOCIATES INC

  ONE WORLD FINANCIAL
CENTER
      NEW YORK   NY   10281

RTA INVESTMENTS COMPANY

  8 N BELMONT AVE       RICHMOND   VA   23221

RUSHMORE SECURITIES

  5000 QUORUM DR #620       DALLAS   TX   75240

SAL FINANCIAL SERVICES INC

  800 SHADES CREEK PKWY   S-580     BIRMINGHAM   AL   35209

SALYN SECURITIES, INC

  PO BOX 3336       SHAWNEE   OK   74802

SANDERS MORRIS HARRIS INC

  C/O HWG INSURANCE AGENCY
INC
  600 TRAVIS #3100     HOUSTON   TX   77002

SCF SECURITIES INC

  155 E SHAW AAVE #102       FRESNO   CA   93710

SCHOFF & BAXTER INC

  1801 CENTURY PARK E., #2211       LOS ANGELES   CA   90067

SECURITIES AMERICA INC

  ATTN: ACCOUNTING   7100 W CENTER ROAD
STE 500
    LAVISTA   NE   68160

SEVILLE CAPITAL INC

  300 MONTVUE ROAD   SUITE C     KNOXVILLE   TN   37919

SIGNAL SECURITIES INC

  700 THROCKMORTON       FT WORTH   TX   76102

SII INVESTMENTS INC

  ATTN:COMMISSION
PROCESSING
  P O BOX 5097     APPLETON   WI   54912

SOUTHERN FINANCIAL GROUP

  P O BOX 12619       COLUMBIA   SC   29211

SOUTHTRUST SECURITIES INC

  112 NORTH 20TH STREET   7TH FLOOR     BIRMINGHAM   AL   35203

SOUTHWEST SECURITIES INC

  1201 ELM STREET SUITE 3500       DALLAS   TX   75270

SPECTRUM FINANCIAL SERVICES INC

  10834 OLD MILL ROAD, STE 1       OMAHA   NE   68154

SPECTRUM INVESTMENT SERVICES

  410 LINCOLNWAY EAST       MISHAWAKA   IN   46544

STANFORD GROUP COMPANY

  ATTN:COMMISSION
DEPARTMENT
  5050 WESTHEIMER     HOUSTON   TX   77056

STEPHENS INC

  111 CENTER STREET       LITTLE ROCK   AR   72201

STERLING FINANCIAL INVESTMENT GROUP

  225 NE MIZNER BLVD #400       BOCA RATON   FL   33432

STERNE AGEE & LEACH INC

  ATTN: COMMISSIONS CASHIER   813 SHADES CREEK
PKWY
  SUITE
100B
  BIRMINGHAM   AL   35209

SUMMIT BROKERAGE SERVICES

  980 NORTH FEDERAL HWY #310       BOCA RATON   FL   33432

SUNBELT SECURITIES INC

  5075 WESTHEIMER   STE 670     HOUSTON   TX   77056

SUNSET FINANCIAL

  3520 BROADWAY   P O BOX 419365     KANSAS CITY   MO   64141

SUNSET FINANCIAL SERVICES INC

  3520 BROADWAY       KANSAS CITY   MO   64141

T.H.E. FINANCIAL GROUP, LTD

  5 KACEY COURT, SUITE 101       MECHANICSBURG   PA   17055

TECKMEYER FINANCIAL SERVICES LLC

  11104 JOHN GALT BLVD       OMAHA   NE   68137

TEJAS SECURITIES GROUP INSURAN

  2700 VIA FORTUNA SUITE 400       AUSTIN   TX   78746

TFS SECURITIES, INC

  437 NEWMAN SPRINGS ROAD       LINCROFT   NJ   7738

THE ADVISORS GROUP INC

  7315 WISONSIN AVE       BETHESDA   MD   20814

THE GMS GROUP LLC

  5 N REGENT ST   STE 513     LIVINGSTON   NJ   7039

THE INVESTMENT CENTER

  1011 HIGHWAY 22 S       BRIDGEWATER   NJ   8007

THE LEADERS GROUP, INC

  26 WEST DRY CREEK CIRCLE,
#160
      LITTLETON   CO   80120

THE ON EQUITY SALES COMPANY

  ONE FINANCIAL WAY       CINCINNATI   OH   45201

THOROUGHBRED FINANCIAL SERVICES

  5038 THOROUGHBRED LANE       BRENTWOOD   TN   37027

THRASHER & COMPANY

  1204 S E 28TH STREET   SUITE 4     BENTONVILLE   AR   72712

TITAN SECURITIES

  13455 NOEL ROAD   SUITE 310     DALLAS   TX   75240

TITAN VALUE EQUITIES GRP

  8001 IRVINE CENTER SUITE 710       IRVINE   CA   92618

TOWER EQUITIES INSURANCE AGENC

  8141 N MAIN ST       DAYTON   OH   45415

TOWER SQUARE SECURITIES INC

  300 DAVIDSON AVE       SOMERSET   NJ   8873

TRADESTAR INVST INC

  5599 SAN FELIPE #1400       HOUSTON   TX   77056

TRANSAM SECURITIES, INC

  2180 SR 434 W SANLANDO
CENTER
  SUITE 1150     LONGWOOD   FL   32779

TRANSAMERICA FINAN RESOURCES

  1150 S OLIVE ST T-1400       LOS ANGELES   CA   90015

TRIAD ADVISORS

  3500 PARKWAY LANE       NORCROSS   GA   30092

TRICOR FINANCIAL, LLC

  7201 W. LAKE MEAD, STE 114   STE 114     LAS VEGAS   NV   89128

TRUSTFIRST INC

  10259 KINGSTON PIKE   STE B     KNOXVILLE   TN   37922

TRUSTMARK INVESTMENTS INC

  INSURANCE SERVICES   2500 WESTFIELD DRIVE     ELGIN   IL   60124

UNITED PLANNERS FIN SERVICES

  7333 E DOUBLETREE RANCH
#120
      SCOTTSDALE   AZ   85258

UNITED SECURITIES

  7730 E BELLEVIEW AVE   STE AG-9     GREENWOOD
VILLAGE
  CO   80111

USA FINANCIAL SECURITIES CORP

  USA FINANCIAL CENTER   6020 EAST FULTON
STREET
    ADA   MI   49301

USALLIANZ SECURITIES

  ATTN DEBRA R LAWRENCE   5225 WALZEM RD     SAN ANTONIO   TX   78218

UVEST FINANCIAL SERVICES GROUP

  200 SOUTH COLLEGE ST 21ST FL       CHARLOTTE   NC   28202

VALMARK SECURITIES INC

  3690 ORANGE PLACE, #300       BEACHWOOD   OH   44122


KILICO DESTINATIONS
BROKER-DEALERS
AGENCY NAME

  ADDRESS LINE 1   ADDRESS LINE 2   ADDRESS LINE 3   CITY   ST   ZIP CODE

VERITRUST FINANCIAL LLC

  9010 RESEDA BLVD #228       NORTHRIDGE   CA   91324

VISION INVESTMENT SERVICES, INC

  1211 W. 22ND STREET       OAKBROOK   IL   60523

VSR FINANCIAL SERVICES INC

  8620 W 110TH STREET #200       OVERLAND PARK   KS   66210

W.B. MCKEE SECURITIES INC

  7702 E DOUBLETREE RANCH ROAD   SUITE 230     SCOTTSDALE   AZ   85258

WACHOVIA SECURITIES (F/K/A FUSI INSURANCE/FIRST UNION)

  10700 WHEAT FIRST DRIVE       GLEN ALLEN   VA   23060

WACHOVIA SECURITIES LLC

  WACHOVIA RETIREMENT & INVEST   401 S TRYON ST-NC0260     CHARLOTTE   NC   28202

WALL STREET FINANCIAL GROUP

  255 WOODCLIFF DR   SUITE 6     FAIRPORT   NY   14450

WALNUT STREET SECURITIES INC

  300 DAVIDSON AVE       SOMERSET   NJ   8873

WASSERMAN & ASSOCIATES

  618 CHESTNUT ROAD STE 104       MYRTLE BEACH   SC   29572

WATERFORD INVESTOR SERVICES, INC

  1201 S HIGHLAND AVE, SUITE 2       CLEARWATER   FL   33754

WEDBUSH MORGAN SECURITIES INC

  1000 WILSHIRE BLVD #800
9TH FLOOR
      LOS ANGELES   CA   90017

WESTAMERICA INVESTMENT GRP INC

  4250 N DRINKWATER BLVD   #100     SCOTTSDALE   AZ   85251

WESTMINSTER FINANCIAL SERVICES, INC

  865 SOUTH DIXIE DR       VANDALIA   OH   45377

WFG STRATEGIC ALLIANCE INC

  12221 MERIT DR   STE 300     DALLAS   TX   75251

WFP SECURITIES CORPORATION

  5186 CARROLL CANYON RD   3102     SAN DIEGO   CA   92121

WILLIAM R HOUGH & CO

  100 2N AVE S   SUITE 800     ST PETERSBURG   FL   33701

WOODBURY FINANCIAL SERVICES

  PO BOX 64284       ST PAUL   MN   55164

WORKMAN SECURITIES CORPORATION

  6500 CITY WEST PKWY STE 350       EDEN PRAIRIE   MN   55344

WORLD CHOICE SECURITIES INC

  1420 BROWN TRAIL       BEDFORD   TX   76022

WORLD SECURITIES INC

  517 MAIN       JOPLIN   MO   64801

WRP INVESTMENTS

  4407 BELMONT AVE       YOUNGSTOWN   OH   44505

WYOMING FINANCIAL SEC INC

  400 EAST FIRST STREET       CASPER   WY   82601