1The Form OIR-B2-312 “Notice to Applicant Regarding Replacement of Life Insurance,” rev. 1-91, set forth in Exhibit A is hereby incorporated by reference and adopted herein. Copies of the above-mentioned form is available to the public through the Office of Insurance Regulation, Bureau of Life and Health Forms and Market Conduct Review, 335 Larson Building, Tallahassee, Florida or http://www.floir.com.