Document:

Corporate Owned Life Insurance Policy

 EXHIBIT 10(jj) 
 [LOGO APPEARS HERE] 
  

					
	 Pacific Life Insurance Company
	 	§  700 Newport Center Drive	 	§  Newport Beach, CA
92660

  

					
	 FLEXIBLE
 PREMIUM
 ADJUSTABLE LIFE
 INSURANCE
 POLICY
	  	 We, Pacific Life Insurance Company, agree with you, the Owner,
 to pay the benefits of this policy according to its provisions.
  
 Right To Cancel Policy Within 20 Days – You may return this policy within 20 days after you receive it. To do so, deliver or mail it to us or our agent. We will then cancel this policy as of the policy date
and refund any premium paid.
  
 Signed at our Home Office, 700 Newport Center
Drive, Newport Beach, California 92660

					
	 §  Flexible Premiums Payable to Age 95
	 	 SIGNATURE APPEARS HERE

	 	 SIGNATURE APPEARS HERE

			
	 §  Adjustable Face Amount
	 	Chairman and Chief Executive Officer	 	Secretary
			
	 §  Participating
	 	 	 	 

  
 FORM: 92-45 
  

			
	 	  	 This is not an original contract, but merely evidences the terms
 and conditions, effective as of 2/9/2005
 of the original policy of the same number which has been lost
 mutilated or accidentally destroyed.

 IMPORTANT NOTICE 
  
 WE ARE REQUIRED BY STATE LAW TO PROVIDE YOU WITH THE FOLLOWING INFORMATION. 
  
 AT PACIFIC LIFE, WE ALWAYS STRIVE TO PROVIDE OUR POLICYOWNERS WITH THE BEST PRODUCTS AND SERVICES. SHOULD YOU HAVE A PROBLEM, YOUR LOCAL
AGENT AND AGENCY WILL BE GLAD TO HELP YOU. 
  
 HOWEVER, YOU MAY ALSO CONTACT THE
CALIFORNIA DEPARTMENT OF INSURANCE IF THE CONTACTS BETWEEN YOU AND OUR COMPANY OR OUR AGENT HAVE FAILED TO PRODUCE A SATISFACTORY SOLUTION TO THE PROBLEM. 
  
 PACIFIC LIFE CUSTOMER SERVICE 
 700
NEWPORT CENTER DRIVE 
 NEWPORT BEACH, CA 92660 
  
 (800) 800-7681 
  
 OR 
  
 CALIFORNIA DEPARTMENT OF INSURANCE 
 CONSUMER AFFAIRS DIVISION 

300 SOUTH SPRING STREET 
 SOUTH
TOWER 
 LOS ANGELES, CA 90013 
  
 CALIFORNIA ONLY (800) 927-HELP 
 OUTSIDE CALIFORNIA: (213) 736-3582 
  

 2 

 POLICY SPECIFICATIONS 
  

					
	 PREMIUMS:
	 	PLANNED ANNUAL PREMIUM = $31,083.00
		
	 INTEREST:
	 	IN ADDITION TO GUARANTEED INTEREST DESCRIBED IN THE INTEREST PROVISION OF THIS POLICY, WE MAY CREDIT EXCESS INTEREST ON THE UNLOANED PORTION OF THE ACCUMULATED VALUE. THIS EXCESS
INTEREST WILL BE GUARANTEED FOR THE FIRST POLICY YEAR SUCH THAT, TOGETHER WITH GUARANTEED INTEREST, THE INTEREST RATE ON THE UNLOANED PORTION OF THE ACCUMULATED VALUE WILL BE .506483% PER MONTH WHICH IS EQUIVALENT TO 6.25% ANNUALLY.
		
	 DEATH BENEFIT
 QUALIFICATION
 TEST:
	 	CASH VALUE ACCUMULATION TEST (THIS ELECTION IS IRREVOCABLE FOR LIFE OF THE CONTRACT.)
		
	 OWNER:
	 	LITTON INDUSTRIES INC
		
	 BENEFICIARY:
	 	AS STATED ON THE APPLICATION UNLESS SUBSEQUENTLY CHANGED.
		
	 	 	This is not an original contract, but merely evidences the terms and conditions, effective as of 2/9/2005 of the original policy of the same number which has been lost mutilated or
accidentally destroyed.
		
	 BASIC POLICY:
	 	FLEXIBLE PREMIUM ADJUSTABLE LIFE

					
			
	 POLICY NUMBER:
	 	 1A23867640
	  	INSURED’S NAME: RONALD D SUGAR
			
	 FIRST YEAR
 TOTAL COVERAGE:
	 	 $2,406,083.00
	  	RISK CLASSIFICATION:  MALE         NONSMOKER
			
	 POLICY DATE:
	 	 JUN 01, 2000
	  	AGE ON POLICY DATE:    52
			
	 MATURITY DATE:
	 	 JUN 01, 2043
	  	NOTE: THIS POLICY MAY NOT REMAIN IN FORCE TO THE INDICATED MATURITY DATE IF THE PAYMENTS ARE INSUFFICIENT TO MAINTAIN THE CASH VALUE UNTIL THAT DATE.
	 MONTHLY PAYMENT DATE IS
 THE 1ST DAY OF THE MONTH.
	  

  

 3 

 POLICY NUMBER: 1A2386764-0 
  
 POLICY SPECIFICATIONS 
  
 SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE 
  

			
	 92-45:
	  	BASIC COVERAGE GUARANTEED ISSUE
	 FACE AMOUNT:
	  	$481,217.00 INITIAL SURRENDER CHARGE : $2,011.49
	 RISK CLASSIFICATION:
	  	MALE            NONSMOKER

  
 SEE POLICY PAGE 10 FOR ADDITIONAL
DETAILS REGARDING THE SURRENDER CHARGE. 
  

					
	 ADMINISTRATIVE
 CHARGE:
	  	$6.00 PER MONTH
		
	 INSURANCE
 CHARGE:
	  	AN AMOUNT PER $1000 OF FACE AMOUNT WILL BE DEDUCTED FROM THE ACCUMULATED VALUE EACH MONTH FOR THE FIRST 60 POLICY MONTHS ACCORDING TO THE FOLLOWING SCHEDULE:
			
	 	  	 POLICY
 MONTH

	 	 AMOUNT PER
 $1,000 OF FACE

	 	  	1 – 15	 	$0.38
	 	  	16 – 30	 	$0.64
	 	  	31 – 45	 	$0.90
	 	  	46 – 60	 	$1.16
		
	 R90-APB2:
	  	ADDED PROTECTION BENEFIT GUARANTEED ISSUE
			
	 	  	 TARGET AMOUNT:
	 	 $1,924,866.00 VARYING
 SEE ATTACHED
SCHEDULE

			
	 	  	 AGE AT ISSUE:
	 	52
			
	 	  	 RISK CLASSIFICATION:
	 	MALE NONSMOKER
			
	 	  	 COVERAGE CEASE DATE:
	 	JUN 01, 2043
	
	 PERSON COVERED: RONALD D SUGAR

	
	 R86-E1: EXCHANGE OF INSURED RIDER

  

 4 

 POLICY NUMBER: 1A2386764-0 
  
 POLICY SPECIFICATIONS (CONT’D) 
  
 SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE 
  
 ADDED PROTECTION BENEFIT 
  
 VARYING SCHEDULE 
  
 AGE AT ISSUE: 52 
  
 RISK CLASSIFICATION: MALE            NONSMOKER

  
 COVERAGE CEASE DATE: JUN 1, 2043 
 PERSON COVERED: RONALD D SUGAR 
  

									
	ATTAINED AGE

	  	TARGET AMOUNT

	  	ATTAINED AGE

	  	TARGET AMOUNT

	52	  	$	1,924,866.00	  	90	  	$	47,862.00
	53	  	$	2,075,949.00	  	91	  	$	47,862.00
	54	  	$	2,233,032.00	  	92	  	$	47,862.00
	55	  	$	2,397,115.00	  	93	  	$	47,862.00
	56	  	$	2,567,198.00	  	94	  	$	47,862.00
	57	  	$	2,744,281.00	  	 	  	 	 
	58	  	$	2,928,364.00	  	 	  	 	 
	59	  	$	3,120,447.00	  	 	  	 	 
	60	  	$	3,319,530.00	  	 	  	 	 
	61	  	$	3,528,613.00	  	 	  	 	 
	62	  	$	3,745,696.00	  	 	  	 	 
	63	  	$	3,971,779.00	  	 	  	 	 
	64	  	$	4,208,863.00	  	 	  	 	 
	65	  	$	1,025,862.00	  	 	  	 	 
	66	  	$	1,025,862.00	  	 	  	 	 
	67	  	$	1,025,862.00	  	 	  	 	 
	68	  	$	1,025,862.00	  	 	  	 	 
	69	  	$	1,025,862.00	  	 	  	 	 
	70	  	$	47,862.00	  	 	  	 	 
	71	  	$	47,862.00	  	 	  	 	 
	72	  	$	47,862.00	  	 	  	 	 
	73	  	$	47,862.00	  	 	  	 	 
	74	  	$	47,862.00	  	 	  	 	 
	75	  	$	47,862.00	  	 	  	 	 
	76	  	$	47,862.00	  	 	  	 	 
	77	  	$	47,862.00	  	 	  	 	 
	78	  	$	47,862.00	  	 	  	 	 
	79	  	$	47,862.00	  	 	  	 	 
	80	  	$	47,862.00	  	 	  	 	 
	81	  	$	47,862.00	  	 	  	 	 
	82	  	$	47,862.00	  	 	  	 	 
	83	  	$	47,862.00	  	 	  	 	 
	84	  	$	47,862.00	  	 	  	 	 
	85	  	$	47,862.00	  	 	  	 	 
	86	  	$	47,862.00	  	 	  	 	 
	87	  	$	47,862.00	  	 	  	 	 
	88	  	$	47,862.00	  	 	  	 	 
	89	  	$	47,862.00	  	 	  	 	 

  

 5 

 POLICY NUMBER: 1A2386764-0 
  
 POLICY SPECIFICATIONS 
  
 TABLE OF COST OF INSURANCE RATES 
  
 GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1.00 APPLICABLE TO BASIC POLICY COVERING THE INSURED. 
  

							
	 AGE

	  	 MONTHLY
 CHARGE

	  	AGE

	  	 MONTHLY
 CHARGE

	 52
	  	0.00066576	  	 	  	 
	 53
	  	0.00072874	  	 	  	 
	 54
	  	0.00080017	  	 	  	 
	 55
	  	0.00087671	  	 	  	 
	 56
	  	0.00096005	  	 	  	 
	 57
	  	0.00104684	  	 	  	 
	 58
	  	0.00113961	  	 	  	 
	 59
	  	0.00123924	  	 	  	 
	 60
	  	0.00134997	  	 	  	 
	 61
	  	0.00147355	  	 	  	 
	 62
	  	0.00161340	  	 	  	 
	 63
	  	0.00177217	  	 	  	 
	 64
	  	0.00194909	  	 	  	 
	 65
	  	0.00214342	  	 	  	 
	 66
	  	0.00235099	  	 	  	 
	 67
	  	0.00257276	  	 	  	 
	 68
	  	0.00280882	  	 	  	 
	 69
	  	0.00306532	  	 	  	 
	 70
	  	0.00335367	  	 	  	 
	 71
	  	0.00368198	  	 	  	 
	 72
	  	0.00406029	  	 	  	 
	 73
	  	0.00449620	  	 	  	 
	 74
	  	0.00498351	  	 	  	 
	 75
	  	0.00551331	  	 	  	 
	 76
	  	0.00607652	  	 	  	 
	 77
	  	0.00666569	  	 	  	 
	 78
	  	0.00727588	  	 	  	 
	 79
	  	0.00792387	  	 	  	 
	 80
	  	0.00863520	  	 	  	 
	 81
	  	0.00943077	  	 	  	 
	 82
	  	0.01033895	  	 	  	 
	 83
	  	0.01137349	  	 	  	 
	 84
	  	0.01251384	  	 	  	 
	 85
	  	0.01373772	  	 	  	 
	 86
	  	0.01502184	  	 	  	 
	 87
	  	0.01635661	  	 	  	 
	 88
	  	0.01773798	  	 	  	 
	 89
	  	0.01917198	  	 	  	 
	 90
	  	0.02067765	  	 	  	 
	 91
	  	0.02228714	  	 	  	 
	 92
	  	0.02406346	  	 	  	 
	 93
	  	0.02611992	  	 	  	 
	 94
	  	0.02881299	  	 	  	 

  

 6 

 POLICY NUMBER: 1A2386764-0 
  
 POLICY SPECIFICATIONS 
  
 TABLE OF COST OF INSURANCE RATES 
  
 GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1.00 APPLICABLE TO THE ADDED PROTECTION BENEFIT COVERING RONALD D SUGAR 
  

							
	 AGE

	  	 MONTHLY
 CHARGE

	  	AGE

	  	 MONTHLY
 CHARGE

	 52
	  	0.00066576	  	 	  	 
	 53
	  	0.00072874	  	 	  	 
	 54
	  	0.00080017	  	 	  	 
	 55
	  	0.00087671	  	 	  	 
	 56
	  	0.00096005	  	 	  	 
	 57
	  	0.00104684	  	 	  	 
	 58
	  	0.00113961	  	 	  	 
	 59
	  	0.00123924	  	 	  	 
	 60
	  	0.00134997	  	 	  	 
	 61
	  	0.00147355	  	 	  	 
	 62
	  	0.00161340	  	 	  	 
	 63
	  	0.00177217	  	 	  	 
	 64
	  	0.00194909	  	 	  	 
	 65
	  	0.00214342	  	 	  	 
	 66
	  	0.00235099	  	 	  	 
	 67
	  	0.00257276	  	 	  	 
	 68
	  	0.00280882	  	 	  	 
	 69
	  	0.00306532	  	 	  	 
	 70
	  	0.00335367	  	 	  	 
	 71
	  	0.00368198	  	 	  	 
	 72
	  	0.00406029	  	 	  	 
	 73
	  	0.00449620	  	 	  	 
	 74
	  	0.00498351	  	 	  	 
	 75
	  	0.00551331	  	 	  	 
	 76
	  	0.00607652	  	 	  	 
	 77
	  	0.00666569	  	 	  	 
	 78
	  	0.00727588	  	 	  	 
	 79
	  	0.00792387	  	 	  	 
	 80
	  	0.00863520	  	 	  	 
	 81
	  	0.00943077	  	 	  	 
	 82
	  	0.01033895	  	 	  	 
	 83
	  	0.01137349	  	 	  	 
	 84
	  	0.01251384	  	 	  	 
	 85
	  	0.01373772	  	 	  	 
	 86
	  	0.01502184	  	 	  	 
	 87
	  	0.01635661	  	 	  	 
	 88
	  	0.01773798	  	 	  	 
	 89
	  	0.01917198	  	 	  	 
	 90
	  	0.02067765	  	 	  	 
	 91
	  	0.02228714	  	 	  	 
	 92
	  	0.02406346	  	 	  	 
	 93
	  	0.02611992	  	 	  	 
	 94
	  	0.02881299	  	 	  	 

  

 7 

 Company or PL or we or us refers to Pacific Life Insurance Company. 
  
 Monthly payment date is the day each month on which Mortality Charges, Administrative
Charges, Insurance Charges, Rider Charges, and Benefit Charges, if any, are deducted from the Accumulated Value. This day is shown on page 3. The first monthly payment date is the Policy Date. 
  
 Home Office means the Company’s office located at 700 Newport Center Drive,
Newport Beach, California 92660. 
  
 You, your or owner refers to
the owner of this policy. 
  
 Policy Date is shown on page 3. Policy
months, years and anniversaries are measured from this date. 
  
 Age means
age nearest birthday as of the policy date, increased by the number of complete policy years elapsed. With respect to any increases in face amount, riders, or other policy benefits which have an effective date not falling on a policy date
anniversary, “age” means age nearest birthday as of the effective date increased by the number of complete years elapsed since the effective date. 
  
 Evidence of Insurability is information, including medical information, satisfactory to the Company that is used to determine the insured’s class of risk.

  
 Debt means all unpaid policy loans plus accrued interest on such loans.

  
 Written request is a request in writing satisfactory to PL and filed at
its Home Office. 
  
 Maturity date is the policy anniversary nearest the
insured’s 95th birthday. 
  
 Premiums 
  
 Premiums – This policy will not be inforce until the first premium is paid. No
premium may be less than $25. Premiums may be paid at any time prior to the maturity date while this policy is in force either at the Home Office of the Company or to an agent of the Company, subject to the premium limitations and the Reinstatement
provision shown below. On written request we will give you a premium receipt signed by a Company officer. 
  
 We reserve the right to require evidence of insurability, satisfactory to us, for any premium payment that would result in an immediate increase in the difference between the death benefit and the Accumulated Value.
If satisfactory evidence of insurability is not provided before such premium is paid, we reserve the right to refund the premium. 
  
 Premium Limitation – This section applies only to policies where the Guideline Premium Test has been elected as the Death Benefit Qualification method. In
order for this policy to be treated as life insurance under the Internal Revenue Code, the sum of the premiums paid less any dividends paid in cash and less any partial withdrawals may not exceed the greater of: 
  

	 	§	 	the Guideline Single Premium; or 

  

	 	§	 	the sum of the Guideline Level Premiums to the date of payment. 

  
 The amounts of the Guideline Premiums are shown in the Policy Specifications pages. The Guideline Premiums will change whenever there is a change in the face amount of
insurance or in other policy benefits. Such change will be shown in the supplemental schedule of coverage. This premium limitation does not apply to payment of a premium necessary to prevent lapse of the policy. 
  
 The Guideline Premiums are determined according to the rules applicable to this policy set
forth in the Internal Revenue Code. The Guideline Premiums will be adjusted to conform to any changes in the Internal Revenue Code. 
  

 8 

 In the event that a premium payment would exceed these limits, the Company reserves the right to refund the excess
payment with interest to the owner. 
  
 Grace Period and Lapse – The
Company will determine on each monthly payment date if a premium payment will be necessary as of the next monthly payment date to keep the policy in force. A premium will be due on the next monthly payment date if, at that time, the Mortality
Charges, Administrative Charges, Insurance Charges, Rider Charges, Benefit Charges and loan interest accrued to the end of the next month are greater than the Accumulated Value less debt. 
  
 At such time as we determine that a premium is due, a notice will be sent to your last known address and to the last known address of any
assignee. The notice will state the due date and the amount of premium required to keep the policy in force. If this premium is not paid by its due date, the policy will be in default. The premium may be paid during a grace period of 61 days
beginning on the premium due date. The policy will remain in force during this grace period. A lapse occurs if the amount shown in the notice remains unpaid at the end of the grace period. Upon lapse, the policy terminates and no coverage is in
force. We will send you written notice of lapse at your last known address at least 30 days prior to termination of coverage. 
  
 Reinstatement – If it has not been surrendered, this policy may be reinstated not more than five years after the date of premium default. To reinstate the
policy you must provide us with: 
  

	 	§	 	evidence of insurability satisfactory to us; and 

  

	 	§	 	payment of a premium sufficient to continue the policy in force for the two-month period following the next monthly payment date. 

  
 You may pay or reinstate any debt outstanding on the date of default. Any loan paid or
reinstated will cause an increase in Accumulated Value of an equal amount to also be reinstated. The reinstatement will become effective at such time as the two conditions have been met. 
  
 Policy Benefits 
  
 Death Proceeds – When we receive proof that the insured’s death occurred while this policy was in force, we will pay the death benefit under either the
Cash Value Accumulation Test or the Guideline Premium Test as elected by you and shown in the Policy Specifications pages. These tests are described below. Any debt, Mortality Charges, Administrative Charges, Insurance Charges, Rider Charges and
Benefit Charges due and unpaid through the policy month in which the insured dies will be deducted from the death proceeds. We will also pay interest on the resulting amount from the date of death to the date of payment at a rate not less than the
guaranteed rate or the legal rate required by the state in which this policy is issued, if higher. 
  
 Death Benefit Qualification 
  
 The owner
elects the method for Death Benefit Qualification in the application. Once elected, this method may not be changed for the life of the contract. The owner must choose one of the following methods: 
  

	 	1.	 	Cash Value Accumulation Test – The death benefit will be the greater of the face amount or the amount required for this policy to be deemed life insurance according to
the Internal Revenue Code. Such required amount will be determined based on the Accumulated Value (defined on Page 8) and the Cash Value Accumulation Test defined in the Internal Revenue Code Section 7702(b). We reserve the right to amend this
policy to comply with future regulations or changes in the Internal Revenue Code. We will provide you with a copy of any such amendment. 

  

	 	2.	 	Guideline Premium Test – The death benefit will be determined as described below under the Guideline Premium Test Death Benefit Options and the Guideline Minimum Death
Benefit provisions. 

  
 Guideline Premium Test Death Benefit
Options There are two Death Benefit Options available. The owner elects Option A or Option B in the application. If no option is elected, Option A is the automatic option. 
  

 9 

 Option A – The death benefit is the greater of: 
  

	 	§	 	the face amount; or 

  

	 	§	 	the Guideline Minimum Death Benefit. 

  
 Option B – The death benefit is the greater of: 
  

	 	§	 	the face amount plus the Accumulated Value on the date of death; or 

  

	 	§	 	the Guideline Minimum Death Benefit. 

  
 The Death Benefit Option may be changed on written request. After any such change, the face amount will be that amount which results in the death benefit after the change
being equal to the death benefit before the change. The Death Benefit Option may not be changed more than once in any policy year. 
  
 Guideline Minimum Death Benefit – The Guideline Minimum Death Benefit is the product of the Accumulated Value and the Death Benefit Factor shown below for the
then current age of the insured: 
  

							
	 Age

	  	Factor

	  	Age

	  	Factor

	 0-40
	  	2.50	  	60	  	1.30
	 41
	  	2.43	  	61	  	1.28
	 42
	  	2.36	  	62	  	1.26
	 43
	  	2.29	  	63	  	1.24
	 44
	  	2.22	  	64	  	1.22
	 45
	  	2.15	  	65	  	1.20
	 46
	  	2.09	  	66	  	1.19
	 47
	  	2.03	  	67	  	1.18
	 48
	  	1.97	  	68	  	1.17
	 49
	  	1.91	  	69	  	1.16
	 50
	  	1.85	  	70	  	1.15
	 51
	  	1.78	  	71	  	1.13
	 52
	  	1.71	  	72	  	1.11
	 53
	  	1.64	  	73	  	1.09
	 54
	  	1.57	  	74	  	1.07
	 55
	  	1.50	  	75-90	  	1.05
	 56
	  	1.46	  	91	  	1.04
	 57
	  	1.42	  	92	  	1.03
	 58
	  	1.38	  	93	  	1.02
	 59
	  	1.34	  	94	  	1.01

  
 Benefit Change Provision –
Subject to PL’s approval, the owner may change the face amount of insurance if such request is made: 
  

	 	§	 	during the lifetime of the insured; 

  

	 	§	 	after the first policy year if the change is an increase; 

  

	 	§	 	after the fifth policy year following the later of the policy date or the most recent increase in face amount, if the change is a decrease; 

  

	 	§	 	no more often than once in any policy year; and 

  

	 	§	 	on written request while this policy is in force. 

  
 Increase – The following must occur before the effective date of any increase in the face amount: 
  

	 	§	 	evidence of insurability satisfactory to us must be provided to the Company; 

  

	 	§	 	consent of the insured, if the owner is not the insured. 

  

 10 

 The effective date of the increased face amount will be the first monthly payment date on or following the date all the
conditions are met. A supplemental schedule of coverage will be issued. This schedule will include the following information for the additional face amount of insurance: 
  

	 	§	 	the effective date of the increased face amount; 

  

	 	§	 	the amount of the increase in the face amount; 

  

	 	§	 	the class of risk; 

  

	 	§	 	the monthly Insurance Charge; 

  

	 	§	 	the surrender charge; and 

  

	 	§	 	the new Guideline Premiums. 

  

	 	§	 	An increase in the face amount will be allowed only if it results in a death benefit increase of at least $10,000. 

  
 An administrative charge of $100 will be deducted from the Accumulated Value on the effective
date of the increase. 
  
 Decrease – A request to decrease the face
amount will be effective on the monthly payment date following the date of the written request. Existing insurance will be decreased or eliminated in the following order: 
  

	 	§	 	first, the most recent increase; 

  

	 	§	 	second, the next most recent increases successively; and 

  

	 	§	 	finally, the original face amount. 

  
 A supplemental schedule of coverage will be issued. This schedule will include the following information: 
  

	 	§	 	the effective date of the decrease in the face amount; 

  

	 	§	 	the amount of the decrease in the face amount and the benefit remaining in force; and 

  

	 	§	 	the new Guideline Premiums. 

  
 The face amount of this policy may not be reduced to less than $10,000. Any decrease in the face amount must result in a death benefit decrease of not less than $10,000. 
  
 A decrease in the face amount will not be allowed if such decrease causes the Guideline Level
Premium to become negative. 
  
 Accumulated Value 
  
 Accumulated Value – The Accumulated Value on the policy date is 90.25% of the
first premium minus the Mortality Charges, Administrative Charges, Insurance Charges, Rider Charges, and Benefit Charges, if any, for the first policy month. 
  
 The Accumulated Value on each subsequent monthly payment date is: 
  

	 	§	 	the Accumulated Value on the last monthly payment date increased by one month’s interest on such amount; 

  

	 	§	 	plus, not less than 90.25% of any premiums paid since the last monthly payment date increased by interest on such amount from the date the payment was received at the Home Office;

  

	 	§	 	plus any Dividend credited; 

  

	 	§	 	minus any Mortality Charges; 

  

 11 

	 	§	 	minus any Administrative Charges; 

  

	 	§	 	minus any Insurance Charges; 

  

	 	§	 	minus any Rider Charges; 

  

	 	§	 	minus any Benefit Charges; and 

  

	 	§	 	minus the amount of any Partial Withdrawal since the last monthly payment date and interest on such amount from the date of withdrawal. 

  
 During any policy month the Accumulated Value is: 
  

	 	§	 	the Accumulated Value on the last monthly payment date increased by interest on such amount from such date; 

  

	 	§	 	plus, not less than 90.25% of any premiums paid since the last monthly payment date increased by interest on such amount from the date the payment was received at the Home Office;

  

	 	§	 	minus the amount of any Partial Withdrawal since the last monthly payment date and interest on such amount from the date of withdrawal. 

  
 Interest – We will credit interest on the Accumulated Value at a rate not less
than the Guaranteed Interest rate of .327374% per month, compounded monthly. This is equivalent to 4% annually. In addition, we may credit excess interest to the portion of the Accumulated Value in excess of existing debt. 
  
 This policy will be eligible for additional interest at the end of each of the tenth and
twentieth policy years if the policy is then in force. At each time of eligibility, the Accumulated Value will be recalculated by increasing the monthly rates of interest credited to the unloaned portion of the Accumulated Value for each month from
the Policy Date to the time of eligibility by the smaller of (1) or (2), where: 
  

	 	§	 	(1) is 0.25 multiplied by the monthly rate of interest credited to the unloaned portion of the Accumulated Value in excess of the Guaranteed Interest Rate of .327374%; and

  

	 	§	 	(2) is .041571%, which is the monthly equivalent of 0.5% annually. 

  
 We will not recompute the Dividends, Mortality Charges, Administrative Charges, Insurance Charges, Rider Charges, or Benefit Charges when we recalculate the Accumulated
Value. The additional interest credit resulting from the recalculation will be added to the Accumulated Value at the time of eligibility. The eligibility for, and crediting of, additional interest will not be affected by lapse, if followed by
reinstatement. 
  
 Mortality Charges – Beginning on the policy date
and monthly thereafter, there will be a deduction from the Accumulated Value equal to the sum of the Mortality Charges applicable to the following: 
  

	 	§	 	the initial face amount; plus 

  

	 	§	 	each increase in the face amount. 

  
 The monthly Mortality Charge for the death benefit payable under this policy is (1) multiplied by the result of (2) minus (3), where: 
  

	 	§	 	(1) is the applicable monthly Cost of Insurance Rate; 

  

	 	§	 	(2) is the death benefit at the beginning of the policy month divided by 1.00327374; and 

  

	 	§	 	(3) is the Accumulated Value at the beginning of the policy month before deduction of Mortality Charges. 

  
 If the Cash Value Accumulation Test or Guideline Premium Test Death Benefit Option A is elected and there have been increases in the face
amount, then, for purposes of calculating the Mortality Charges, the Accumulated 

  

 12 

 
Value will be first considered applicable to the initial face amount. If the Accumulated Value exceeds the initial face amount, the excess will then be
considered applicable to any additional face amount resulting from increases in the order of the increases. 
  
 The Mortality Charges will be adjusted for any decreases in the face amount according to the Benefit Change Provision. 
  
 Cost of Insurance Rates – The Cost of Insurance Rates are based on the insured’s attained age and risk classification, and the policy duration. The
nonguaranteed monthly Cost of Insurance Rates will be determined by the Company. These rates will not exceed the Guaranteed Maximum Monthly Cost of Insurance Rates shown in the Policy Specifications pages. Any change in the Cost of Insurance Rates
will apply uniformly for all insureds of the same risk classification on this policy form. 
  
 We will use the initial risk classification and the duration measured from the policy date: (i) for the initial face amount if the Cash Value Accumulation Test or Guideline Premium Test Death Benefit. Option A is
elected; or (ii) for the initial face amount plus the Accumulated Value if Guideline Premium Test Death Benefit Option B is elected. For each increase in face amount, we will use the risk classification and the duration applicable to the increase.

  
 If the death benefit: (i) equals the Guideline Minimum Death Benefit under the
Guideline Premium Test; or (ii) is greater than the face amount under the Cash Value Accumulation Test, then any increase in Accumulated Value will cause an automatic increase in the death benefit. The risk classification and duration for such
increase will be the same as that used for the most recent increase in the face amount. 
  
 Administrative Charges – There will be an Administrative Charge withdrawn from the Accumulated Value on each monthly payment date. The amount of this charge is shown in the Policy Specifications pages. There will also be an
Administrative Charge of $100 withdrawn from the Accumulated Value on the effective date for any increase in the face amount and $25 for any Partial Withdrawal of Cash Surrender Value. 
  
 Insurance Charges – There are separate Insurance Charges for the original face amount and each increase in the face amount.
These charges are withdrawn monthly from the Accumulated Value, for a period of 60 policy months starting on the Policy Date or the effective date of any increase in the face amount as applicable. Insurance Charges per $1,000 of initial face amount
are shown in the Policy Specifications pages. Insurance Charges for any increase in the face amount are based on the insured’s attained age on the effective date of the increase. 
  
 Dividends 
  
 Participating – At the end of the first and each following year, we will determine your dividend, if any. 
  
 If there would have been a dividend payable at the end of the policy year in which the
insured dies, we will pay part of that dividend to the beneficiary. The dividend will be for that part of the policy year during which the insured lived. 
  
 Dividend Options – You may choose one of the following options: 
  

	 	§	 	(1) Cash. Dividends will be paid in cash; or 

  

	 	§	 	(2) Increased Accumulated Value. Dividends will be added to the policy’s Accumulated Value on the date of the dividend payment. The Accumulated Value will increase by exactly
the amount of the dividend. 

  
 You may choose a dividend option
within 31 days after a dividend is credited. If you do not choose an option, Option (2) will be in effect until such time as you request a different option. Any option you choose will remain in effect until you change it. 
  

 13 

 Maturity, Surrender and Partial Withdrawal 
  
 Maturity – If the insured is living on the maturity date, this policy will then terminate. We will pay to you the Cash Surrender
Value as a final settlement. 
  
 Surrender – Upon written request
while the insured is living you may surrender this policy for its Cash Surrender Value. The policy will terminate on the date of the request. 
  
 Cash Surrender Value – The Cash Surrender Value is the Accumulated Value less the sum of any debt and the applicable surrender charge. 
  
 Partial Withdrawal – Upon written request and after the first policy year while
the insured is living, you may withdraw a portion of the Cash Surrender Value of this policy. A maximum of one withdrawal may be made in each policy year. The amount of each Partial Withdrawal must be not less than $500 and the Cash Surrender Value
remaining after the withdrawal must be at least $500. The Accumulated Value will be reduced by the amount of the Partial Withdrawal plus an administrative charge of $25. 
  
 A Partial Withdrawal may cause a decrease in the face amount under the Cash Value Accumulation Test or under Guideline Premium Test Death
Benefit Option A. During the first 15 policy years, the face amount will be reduced only to the extent that the amount withdrawn exceeds the lesser of $10,000 or 10% of the Cash Surrender Value. After the 15th anniversary, there will be a decrease
in the face amount equal to the Partial Withdrawal amount. 
  
 Any decrease in the
face amount resulting from a Partial Withdrawal will be subject to the Benefit Change provision of this policy. 
  
 Surrender Charge – There is a separate Surrender Charge for the original face amount and each increase in the face amount. Surrender Charges begin on the
policy date and on the effective date of each increase in the face amount, and reduce each month thereafter by 9.09% until the 12th month. The Surrender Charge for the original face amount is shown on page 4. Surrender Charges for any increase in
the face amount are based on the insured’s attained age on the effective date of the increase. 
  
 General – The Company may postpone payment of the Cash Surrender Value for up to six months from the date you apply for it. If payment is postponed for 30 days or more, the Cash Surrender Value will
earn interest during the period of postponement at a rate not less than 4% per year. However, we will not postpone payment of the Cash Surrender Value if it is used to pay a premium on any other policy you own that is issued by the Company and is
then in force. 
  
 You may receive the Cash Surrender Value in a lump sum or you
may apply it to purchase income benefits. 
  
 If a surrender request is received
within 30 days after a policy anniversary, the Surrender Value will not be less than the Cash Surrender Value on such anniversary minus any loans or partial withdrawals made after the anniversary. 
  
 Benefits – Maturity, surrender or withdrawal benefits may be used to buy a
monthly income for the lifetime of the insured. Death benefits may be used to buy a monthly income for the lifetime of the beneficiary. Payments are guaranteed for ten years. If the beneficiary dies before the end of the ten-year period, payments
will continue to the end of the ten-year period to a person designated by the beneficiary. 
  

 14 

 The purchase rates for the monthly income will be set periodically by the Company. However, the income bought by each
$1,000 will always be at least as large as that shown below: 
  

									
	 Age

	  	Monthly Income

	  	Age

	  	Monthly Income

	 30
	  	$	3.76	  	54	  	$	4.73
	 32
	  	 	3.81	  	56	  	 	4.87
	 34
	  	 	3.86	  	58	  	 	5.04
	 36
	  	 	3.91	  	60	  	 	5.22
	 38
	  	 	3.97	  	62	  	 	5.42
	 40
	  	 	4.03	  	64	  	 	5.65
	 42
	  	 	4.10	  	66	  	 	5.91
	 44
	  	 	4.18	  	68	  	 	6.19
	 46
	  	 	4.27	  	70	  	 	6.50
	 48
	  	 	4.37	  	72	  	 	6.85
	 50
	  	 	4.48	  	74	  	 	7.22
	 52
	  	 	4.59	  	75	  	 	7.41

  
 Monthly income amounts for ages not
shown are halfway between the two amounts for the nearest two ages which are shown. 
  
 Guaranteed amounts for ages under 30 are the same as those for age 30; guaranteed amounts for ages over 75 are the same as those for age 75. Amounts shown are based on the 1983 Table a with interest at 4% annually. 
  
 This benefit is not available if the income would be less than $100 a month. We may require
evidence of survival for incomes which last more than ten years. Optional forms of monthly income benefits are available upon request. 
  
 Policy Loans 
  
 Policy Loans – Loans may be obtained upon written request to the Company on the sole security of this policy. 
  
 When Available – Loans are available only if the policy has a loan value available. PL may delay granting a loan for up to six months from the date of the
request unless the loan is used to pay a premium on any other policy you own that is issued by the Company and is then in force. 
  
 Amount Available – A loan may be for any amount up to the loan value. The loan value is the Cash Surrender Value reduced by the following amounts: 

 

	 	§	 	loan interest accrued to the next policy anniversary; and 

  

	 	§	 	Mortality Charges, Administrative Charges, Insurance Charges, Rider Charges and Benefit Charges, if any, for not more than 12 months following the loan date.

  
 Loan Interest – Interest is payable in arrears at
the annual rate of: 
  

	 	§	 	(i) 5.00% for policy years one through ten; 

  

	 	§	 	(ii) 4.50% for policy years eleven through twenty; and 

  

	 	§	 	(iii) 4.25% for policy years twenty-one and after. 

  
 Interest not paid when due will be added to the loan principal and bear interest at the same rate of interest. 
  
 Repayment – Loans may be repaid at any time prior to the lapse of this policy.

  

 15 

 All funds received will be credited to this policy as a premium unless clearly marked as a loan repayment. 
  
 Termination – If the debt exceeds the Accumulated Value less the Surrender Charge
of this policy, the policy will terminate with no value unless the excess debt is repaid before the end of the Grace period. We will give you and any assignee on record at our Home Office at least 30 days written notice before we terminate the
policy. 
  
 Owner and Beneficiary 
  
 Owner – The owner of this policy is as shown on page 3 or in a later written
change. If there are two or more owners, they will own this contract as joint tenants with right of survivorship unless otherwise stated. 
  
 Assignment – This policy may be assigned upon written request. An assignment will take place only when recorded at our Home Office. When recorded, the
assignment will take effect as of the date the written request was signed. Any rights created by the assignment will be subject to any payments made or actions taken by PL before the change is recorded. PL will not be responsible for the validity of
any assignment. 
  
 Beneficiary – The beneficiary is named by you in
the application to receive the death proceeds. The interest of any beneficiary will be subject to any assignment. 
  
 A change of beneficiary may be made upon written request on forms provided by PL while the insured is living. The change will take place as of the date the request is
signed. Any rights created by the change will be subject to any payments made or actions taken by PL before the written request is received. 
  
 The interest of a beneficiary who does not survive to receive payment will pass to the surviving beneficiaries in proportion to their share in the proceeds unless
otherwise provided. If no beneficiaries survive to receive payment, the death proceeds will pass to the owner, or the owner’s estate if the owner does not survive to receive payment. 
  
 General Provisions 
  
 Entire Contract – This policy is a contract between the Owner and PL. This policy, the attached copy of the initial application, any applications for
reinstatement, all subsequent applications to change the policy and any endorsements, riders or benefits are the entire contract. No statement will be used in defense of a claim unless such statement is contained in the application(s). 

 
 All statements contained in the application(s) shall, in the absence of fraud, be deemed
representations and not warranties. 
  
 Only an authorized officer of PL is
permitted to change this contract or waive any of its terms. The change must be made in writing. 
  
 Annual Report – An annual report will be mailed to you at your last known address. This report will show the following information as of the policy anniversary: 
  

	 	§	 	the Accumulated Value; 

  

	 	§	 	the Cash Surrender Value; 

  

	 	§	 	premiums paid and charges made during the policy year; 

  

	 	§	 	any dividend earned during the policy year; 

  

	 	§	 	interest earned during the policy year; 

  

 16 

	 	§	 	existing debt; 

  

	 	§	 	changes in the Guideline Premiums; and 

  

	 	§	 	any information required by law. 

  
 Illustrative Report – An Illustrative Report will be sent to you upon request. This report will show a projection of the future policy value as of the date of
the report. Any information required by law will be included. We will charge you a reasonable fee for providing the report, but not more than $25. 
  
 Incontestability – Except for failure to pay premiums, this policy cannot be contested by the Company after the expiration of the following time periods:

  

	 	§	 	the initial face amount cannot be contested after the policy has been in force during the insured’s lifetime for two years from the policy date; and 

 

	 	§	 	an increase in the face amount cannot be contested after the increased amount has been in force during the insured’s lifetime for two years from its effective date.

  
 If this policy has been reinstated, it cannot be contested after
it has been in force during the insured’s lifetime for two years from the date of reinstatement. 
  
 Suicide Exclusion – If the insured dies by suicide, while sane or insane, within two years of the policy date, no death benefit will be paid. Instead, we will return the sum of the premiums paid, less the
sum of any debt, any dividends paid in cash, and any Partial Withdrawal amounts. If the insured dies by suicide, while sane or insane, within two years of the effective date of any increase in the face amount, no death benefit will be paid with
respect to that increase. Instead, we will refund the Mortality Charges made with respect to that increase. 
  
 Misstatement of Age or Sex – If there is a misstatement of age or sex in the application, the amount of the death benefit shall be that which would be purchased by the most recent Mortality Charge for the
correct age and sex. 
  
 For all policy years after the policy year in which the
misstatement is discovered, the Accumulated Value will be calculated using Mortality Charges based on the correct age and sex. The Accumulated Value for the year in which the misstatement is discovered will not be recalculated. Surrender Charges
will not be recalculated. 
  
 Juvenile Risk Classification – If an
insured’s age on the policy date is less than 20, you will be notified at the last known address at least 60 days prior to attainment of age 20 of the option to apply for “Nonsmoker” risk status. This option must be requested in
writing and accompanied by satisfactory evidence of nonsmoking. 
  
 Basis of
Values – A detailed statement showing how values are determined has been filed with the state insurance department. All values are not less than the minimums required by the law in the state in which this policy is delivered and the
Standard Nonforfeiture Law. All Guaranteed Values and the Guaranteed Maximum Monthly Cost of Insurance Rates are based on the 1980 CSO Mortality Table (ANB) and interest at the rate of 4% per year. For policies that are issued on a unisex basis, the
1980 CSO Table B applies. For both sex distinct and unisex issues, the Guaranteed Monthly Cost of Insurance Rates are the same for nonsmoker and smoker classifications. 
  

 17 

 Index 
  

			
	 	  	Page

	 Accumulated Value
	  	8
	 Administrative Charges
	  	3,10
	 Age
	  	3,6
	 Annual Report
	  	12
	 Assignment
	  	12
	 Basis of Values
	  	13
	 Beneficiary
	  	3,12
	 Benefit Change Provision
	  	8
	 Cash Surrender Value
	  	10
	 Cost of Insurance Rates
	  	9
	 Death Benefit Options
	  	7
	 Death Benefit Qualification
	  	7
	 Death Proceeds
	  	7
	 Definitions
	  	6
	 Dividends
	  	10
	 Entire Contract
	  	12
	 Face Amount
	  	3
	 General
	  	11
	 Grace Period
	  	6
	 Guideline Minimum Death Benefit
	  	7
	 Illustrative Report
	  	12
	 Income Benefits
	  	11
	 Incontestability
	  	12
	 Insurance Charges
	  	4,10
	 Interest
	  	3,9
	 Juvenile Risk Classification
	  	13
	 Lapse
	  	6
	 Loan Interest
	  	11
	 Maturity
	  	10
	 Misstatement
	  	12
	 Mortality Charges
	  	9
	 Owner
	  	3,11
	 Partial Withdrawal
	  	10
	 Policy Benefits
	  	7
	 Policy Date
	  	3,6
	 Policy Loans
	  	11
	 Policy Specifications
	  	3,4,5
	 Premiums
	  	3,6
	 Premium Limitation
	  	6
	 Reinstatement
	  	7
	 Repayment
	  	11
	 Suicide Exclusion
	  	12
	 Surrender
	  	10
	 Surrender Charge
	  	10
	 Termination
	  	11

  

 18 

 Exchange of Insured Rider 
  
 Benefit – You may exchange the named insured on this policy for a new insured, subject to this rider’s terms. 

 
 Exchange Conditions – Exercise of this exchange will be subject to the
following conditions: 
  

	 	§	 	the new insured must submit evidence of insurability satisfactory to us; 

  

	 	§	 	you must make written application for the exchange, return this policy for reissue and pay any costs or charges as determined by us. 

  
 Exchange Date – The exchange date is the first monthly payment date on or after
the date the exchange conditions are met. 
  
 Coverage on New Insured
– Coverage on the new insured will become effective on the exchange date. Coverage on the current insured will terminate on the day before the exchange date. 
  
 This policy’s policy date will not be changed unless the new insured was born after the policy date. In that case, the new policy date
will be the anniversary of this policy next following the birthdate of the new insured. 
  
 The cost of insurance rates for the new insured will be those applicable for the new insured’s attained age and risk classification. Riders on the new insured will be added only with our consent and subject to our requirements.

  
 The face amount will not be affected by the exchange. If a different face
amount is desired on the new insured, the Increase or Decrease provision of the policy can be exercised. 
  
 Suicide Exclusion – If the new insured dies by suicide, while sane or insane, within two years of the exchange date, no death benefit will be paid. Instead, we will return the cash value as of the exchange
date, plus the sum of the premiums paid since the exchange date, less the sum of any debt, partial withdrawal amounts, and any dividends paid in cash. 
  
 Incontestability – Except for failure to pay premiums, this policy cannot be contested after it has been in force during the new insured’s lifetime for
two years from the exchange date. 
  
 Effective Date – This rider is
effective on the policy date unless otherwise stated hereon. This rider will terminate: 
  

	 	§	 	on termination or lapse of this policy; or 

  

	 	§	 	if the option provided by this rider is exercised. 

  
 General Conditions – Any indebtedness or assignment outstanding against this policy will not be affected by the exchange. This rider is a part of the policy
to which it is attached. All terms of this policy which do not conflict with the rider’s terms apply to this rider. 
  
 Pacific Life Insurance Company 
  

			
	 [SIGNATURE APPEARS HERE]

	  	 [SIGNATURE APPEARS HERE]

	 Chairman and Chief Executive Officer
	  	Secretary

  

 19 

 ADDED PROTECTION BENEFIT 
  
 Covered Person – As used in this benefit, “Covered Person” means any of the individuals covered under this benefit on
the Policy Date. Covered Persons may be deleted from or, with evidence of insurability, added to this benefit. When this occurs, we will send you revised Policy Specifications pages. 
  
 Coverage – When we receive proof that a Covered Person’s death occurred while this benefit was in force, we will pay the
Coverage Amount in effect, if any, on that Covered Person under this benefit on the date of that Covered Person’s death. 
  
 Coverage Amount – The Coverage Amount on any Covered Person provided by this benefit in any policy year is equal to the greater of zero or the result of (1)
minus (2) shown below where the Covered Person is also the insured in the base policy, and is otherwise equal to (1) below. 
  

	 	(1)	 	is the Target Amount you specified in the application for that Covered Person and for that policy year. This Target Amount is also shown separately for each Covered Person in the
Policy Specifications pages; such amount may be level or varying by policy year. 

  

	 	    	 	Subject to our approval, you may change the Target Amount for any Covered Person and for any policy year, if you request such change in writing during the lifetime of the Covered
Person. Such change requests may be made not more than once per policy year. You must provide evidence of insurability satisfactory to us before any request for an increase in Target Amount becomes effective. An administrative charge of $100 will be
deducted from the base policy Accumulated Value on the effective date of any increase in Target Amount. Any decrease in Target Amount which you request for any policy year may require associated decreases in Target Amounts for future policy years.
You will be informed of such associated future decreases, and your consent will be obtained before your requested decrease becomes effective. Any decrease will first be applied against the most recent increase, if any, and then against successively
earlier increases, if any, and finally against the original Target Amounts. 

  

	 	(2)	 	is any increase in the base policy death benefit payable in that policy year which results from either the Guideline Premium Test or the Cash Value Accumulation Test defined in the
Internal Revenue Code. The applicable test is described in the base policy. 

  
 Mortality Charges – The Mortality Charges for this benefit are calculated separately for each Covered Person. The Mortality Charge for any Covered Person in any policy year is equal to the product of the
applicable monthly Cost of Insurance Rate times the Coverage Amount divided by the sum of one plus the monthly Guaranteed Interest Rate shown in the base policy. The Cost of Insurance Rates vary by age, duration, and risk classification and are
subject to change by us at any time, but will not exceed the Guaranteed Maximum Monthly Cost of Insurance Rates for this benefit shown in the Policy Specifications pages. Any such change will be made without regard to any change in health of any
Covered Person. 
  
 Conversion – While this benefit is in force, the
Coverage Amount under this benefit on any Covered Person may be converted at your request, without evidence of insurability, to a new policy on that Covered Person’s life at any time before that Covered Person is age 65. This benefit may be
converted during the first two years it is in force regardless of that Covered Person’s age. The Coverage Amount on that Covered Person under this benefit will be cancelled on the new policy’s Policy Date. The new policy’s Policy Date
and the conversion date will be the monthly payment date which next follows the date of our receipt of your written request for conversion. 
  
 The amount of insurance under the new policy may not exceed the lesser, of the Coverage Amount provided under this benefit on that Covered Person on the conversion date,
or the smallest Target Amount for that Covered Person for the five-year period following the new policy’s Policy Date. If the Target Amount you specified for that Covered Person is level for all policy years, then the smallest Target Amount
shall mean the level Target Amount. A lesser amount may be selected as long as it is not less than our regular minimum limit at the time of conversion. 
  

 20 

 The new policy may be on any life insurance plan, other than term insurance, that we regularly issue at the time of
conversion. It will be issued in the same risk classification and contain the same restrictions, if any, as this benefit. It will be issued at our published rates which apply at that Covered Person’s age on the new policy’s Policy Date.

  
 Additional benefits or riders will not be included in the new policy without
our consent at the time of conversion. 
  
 Effective Date – This
benefit is effective on the Policy Date unless otherwise stated. 
  
 Termination – This benefit will terminate on the earliest of: 
  

	 	§	 	your written request; or 

  

	 	§	 	lapse of this policy; or 

  

	 	§	 	conversion of the entire Coverage Amount; or 

  

	 	§	 	termination of this policy. 

  
 General Conditions – This benefit is part of the policy to which it is attached. As applied to this benefit, the periods stated in this policy’s Incontestability and Suicide provisions will start with
this benefit’s effective date. All terms of this policy which do not conflict with this benefit’s terms apply to this benefit. 
  
 Pacific Life Insurance Company 
  

			
	 [SIGNATURE APPEARS HERE]

	 	 [SIGNATURE APPEARS HERE]

	Chairman and Chief Executive Officer	 	Secretary

  

 21 

 CALIFORNIA LIFE and HEALTH INSURANCE GUARANTEE ASSOCIATION ACT 
  
 SUMMARY DOCUMENT AND DISCLAIMER 
  
 Residents of California who purchase life insurance, and annuities should know that the
insurance companies licensed in this state to write these types of insurance are members of the California Life Insurance Guarantee Association (“CLHIGA”). The purpose of this association is to assure that policyholders will be protected,
within limits, in the unlikely event that a member insurer becomes financially unable to meet its obligations. If this should happen, the Guarantee Association will assess its other member insurance companies for the money to pay the claims of
insured persons who live in this state and, in some cases, to keep coverage in force. The valuable extra protection through the Association is not unlimited, as noted in the box below, and is not a substitute for consumers’ care in selecting
insurers. 
  
 The California Life and Health Insurance
Guarantee Association may not provide coverage for this policy. If coverage is provided, it may be subject to substantial limitations or exclusions, and require continued residency in California. You should not rely on coverage by the California
Life Insurance Guarantee Association in selecting an insurance company or in selecting an insurance policy. 
  
 Coverage is NOT provided for your policy or any portion of it that is not guaranteed by the insurer or for which you have assumed the risk, such as a
variable contract sold by prospectus. 
  
 Insurance
companies or their agents are required by law to give or send you this notice. However, insurance companies and their agents are prohibited by law from using the existence of the guarantee association to induce you to purchase any kind of insurance
policy. 
  
 Policyholders with additional questions should
first contact their insurer or agent or may then contact: 
  
 California Life and Health Insurance Guarantee Association 
 P.O. Box 17319 
 Beverly Hills, California 90209-3319 
 or 
 Consumer Service Division 
 California Department of Insurance 
 300 South Spring Street 
 Los Angeles, California 90013 
  
 Below is a brief summary of this law’s coverages, exclusions and limits. This summary does not cover all provisions of the law; nor does it in any way change
anyone’s rights or obligations under the act or the rights or obligations of the Association. 
  
 COVERAGE 
  
 Generally, individuals will
be protected by the California Life and Health Insurance Guarantee Association if they live in this state and hold a life insurance contract, or an annuity, or if they are insured under a group insurance contract issued by a member insurer. The
beneficiaries, payees or assignees of insured persons are protected as well, even if they live in another state. 
  

 22 

 EXCLUSIONS FROM COVERAGE 
  

However, persons holding such policies are not protected by this Guarantee Association if: 
  

	 	§	 	their insurer was not authorized to do business in this state when it issued the policy or contract; 

  

	 	§	 	their policy was issued by a health care service plan (HMO, Blue Cross, Blue Shield), charitable organization, a fraternal benefit society, a mandatory state pooling plan, a mutual
assessment company, an insurance exchange, or a grants and annuities society; 

  

	 	§	 	they are eligible for protection under the laws of another state. This may occur when the insolvent insurer was incorporated in another state whose guaranty association protects
insureds who live outside that state; 

  
 The Guarantee Association
also does not provide coverage for: 
  

	 	§	 	unallocated annuity contracts, that is, contracts which are not issued to and owned by an individual and which guarantee rights to group contract holders, not individuals;

  

	 	§	 	Employer or association plans to the extent the plan is self-funded or uninsured; 

  

	 	§	 	Synthetic guaranteed interest contracts; 

  

	 	§	 	any policy or portion of a policy which is not guaranteed by the insurer or for which the individual has assumed the risk, such as a variable contract sold by prospectus;

  

	 	§	 	any policy of reinsurance unless an assumption certificate was issued; 

  

	 	§	 	interest rate yields that exceed an average rate; 

  

	 	§	 	any portion of a contract that provides dividends or experience rating credits. 

  
 LIMITS ON AMOUNT OF COVERAGE 
  
 The Act limits the Association to pay benefits as follows: 
  
 LIFE AND ANNUITY BENEFITS 
  

	 	§	 	80% of what the life insurance company would owe under a life policy or annuity contract up to 

  

	 	§	 	$100,000 in cash surrender values, 

  

	 	§	 	$100,000 in present value of annuities, or 

  

	 	§	 	$250,000 in life insurance death benefits. 

  

	 	§	 	a maximum of $250,000 for any one insured life no matter how many policies and contracts there were with the same company, even if the policies provided different types of
coverages. 

  
 HEALTH BENEFITS 
  

	 	§	 	A maximum of $200,000 of the contractual obligations that the health insurance company would owe were it not insolvent. The maximum may increase or decrease annually based upon
changes in health care cost component of the consumer price index. 

  
 PREMIUM SURCHARGE 
  
 Member insurers are required to recoup
assessments paid to the Association by way of a surcharge on premiums charged for health insurance policies to which the Act applies. 
  

 23 

 HOME OFFICE ENDORSEMENT 
  

	 INSURED: RONALD D SUGAR 
	 POLICY NO: 1A2386764-0 

  
 THIS POLICY IS AMENDED IN ACCORDANCE WITH THE POLICY CHANGE REQUEST. THIS ENDORSEMENT IS PART OF THE POLICY AND SHOULD BE ATTACHED. 
  

						
	 RIDER TYPE ADDED PROTECTION BENEFIT

	 	 	  	 
	 AMOUNT OF INCREASE
	 	 	  	$	87,083.00
	 AMOUNT OF RIDER AFTER INCREASE
	 	 	  	$	2,011,949.00
	 EFFECTIVE DATE OF INCREASE
	 	JUN 1, 2001	  	 	 
	 CEASE DATE OF INCREASE
	 	JUN 1, 2043	  	 	 
	 PERSON COVERED
	 	RONALD D SUGAR	  	 	 
	 AGE AT INCREASE
	 	53	  	 	 
	 RISK CLASSIFICATION
	 	MALE            NONSMOKER	  	 	 
	 TOTAL COVERAGE
	 	 	  	$	2,493,166.00

  

 24 

 [LOGO APPEARS HERE] 
  

					
	Pacific Life Insurance Company	  	 §  700 Newport Center Drive
	  	 §  Newport Beach, CA 92660

  
 FLEXIBLE PREMIUM ADJUSTABLE 
 LIFE INSURANCE POLICY 
  

	§	 	Flexible Premiums Payable to Age 95 

  

	§	 	Adjustable Face Amount 

  

	§	 	Participating 

  
 FORM: 92-45 
  

 25 

	 STATEMENT DATE: DEC 13, 2000 
	 POLICY NUMBER: 1A2386764-0 

  
 STATEMENT OF POLICY COST AND BENEFIT INFORMATION 
 FLEXIBLE PREMIUM ADJUSTABLE LIFE 
  

			
	 PACIFIC LIFE INSURANCE COMPANY
	  	MC INSURANCE SERVICES INC
	 P.O. BOX 6390
	  	P W M INSURANCE
	 NEWPORT BEACH, CA 92658-6390
	  	ENGINE CO BLDG #28
	 	  	644 S FIGUEROA
	 	  	LOS ANGELES CA 90017

  
 THIS INFORMATION IS PROVIDED TO ASSIST
YOU IN BETTER UNDERSTANDING YOUR POLICY. THE BASIC BENEFIT COVERAGE IS SHOWN BELOW. YOUR POLICY IS THE ENTIRE CONTRACT, WHICH FULLY DESCRIBES YOUR BENEFITS. 
  

			
	OWNER NAME: LITTON INDUSTRIES INC	    	AGE ON POLICY DATE: 52
		
	INSURED NAME: RONALD D SUGAR	    	RISK CLASS: MALE         NONSMOKER
		
	FORM: 92-45	    	 

  

																
	 	  	 	  	 GUARANTEED INTEREST
 AND MORTALITY CHARGES

	  	NON-GUARANTEED CURRENT
INTEREST AND MORTALITY
CHARGES

	 POLICY YEAR

	  	ANNUAL
PREMIUM

	  	DEATH
BENEFIT

	  	SURRENDER
VALUE

	  	DEATH
BENEFIT

	  	SURRENDER
VALUE

	 1
	  	$	31,083.00	  	$	2,406,083	  	$	7,849	  	$	2,406,083	  	$	18,356
	 2
	  	$	31,083.00	  	$	2,557,166	  	$	11,329	  	$	2,557,166	  	$	36,074
	 3
	  	$	31,083.00	  	$	2,714,249	  	$	10,066	  	$	2,714,249	  	$	53,049
	 4
	  	$	31,083.00	  	$	2,878,332	  	$	3,287	  	$	2,878,332	  	$	69,160
	 5
	  	$	31,083.00	  	$	0	  	$	0	  	$	3,048,415	  	$	84,282
	 6
	  	$	31,083.00	  	$	0	  	$	0	  	$	3,225,498	  	$	105,258
	 7
	  	$	31,083.00	  	$	0	  	$	0	  	$	3,409,581	  	$	124,985
	 8
	  	$	31,083.00	  	$	0	  	$	0	  	$	3,601,664	  	$	142,806
	 9
	  	$	31,083.00	  	$	0	  	$	0	  	$	3,800,747	  	$	157,964
	 10
	  	$	31,083.00	  	$	0	  	$	0	  	$	4,009,830	  	$	176,031
	 11
	  	$	31,083.00	  	$	0	  	$	0	  	$	4,226,913	  	$	184,003
	 12
	  	$	31,083.00	  	$	0	  	$	0	  	$	4,452,996	  	$	185,722
	 13
	  	$	31,083.00	  	$	0	  	$	0	  	$	4,690,080	  	$	179,736
	 14
	  	$	0.00	  	$	0	  	$	0	  	$	1,507,079	  	$	176,649
	 15
	  	$	0.00	  	$	0	  	$	0	  	$	1,507,079	  	$	172,951
	 16
	  	$	0.00	  	$	0	  	$	0	  	$	1,507,079	  	$	168,870
	 17
	  	$	0.00	  	$	0	  	$	0	  	$	1,507,079	  	$	162,702
	 18
	  	$	0.00	  	$	0	  	$	0	  	$	1,507,079	  	$	153,938
	 19
	  	$	0.00	  	$	0	  	$	0	  	$	529,079	  	$	158,467
	 20
	  	$	0.00	  	$	0	  	$	0	  	$	529,079	  	$	189,703
	 AGE 65
	  	$	31,083.00	  	$	0	  	$	0	  	$	4,690,080	  	$	179,736

  
 DIVIDENDS ARE BASED ON
THE COMPANY’S CURRENT DIVIDEND SCALE AND ARE NOT GUARANTEED. 
  

 26 

	 STATEMENT DATE: DEC 13, 2000 
	 POLICY NUMBER: 1A2386764-0 

  
 STATEMENT OF POLICY COST AND BENEFIT INFORMATION 
 SUMMARY OF COVERAGE AND PREMIUMS 
  

													
	 	  	LIFE INSURANCE COST INFORMATION

	 	  	GUARANTEED

	  	CURRENT

	 COST INDEX

	  	5 YEAR

	  	10 YEAR

	  	20 YEAR

	  	5 YEAR

	  	10 YEAR

	  	20 YEAR

	 SURRENDER @ 5%
	  	 	  	11.82	  	11.82	  	 	  	5.74	  	6.36
	 NET PAYMENT
	  	11.82	  	11.82	  	11.82	  	11.49	  	10.05	  	8.30
	 EQUIVALENT LEVEL
	  	 	  	 	  	 	  	 	  	 	  	 
	 ANNUAL DIVIDEND
	  	 	  	0.00	  	0.00	  	 	  	0.00	  	0.00

  
 AN EXPLANATION OF THE
INTENDED USE OF THESE INDICES AND OF THE EQUIVALENT LEVEL ANNUAL DIVIDEND IS PROVIDED IN THE LIFE INSURANCE BUYER’S GUIDE. 
  
 **** IMPORTANT NOTICE **** 
  
 ACTUAL RESULTS WILL DIFFER FROM THE PROJECTIONS SHOWN ON THE PREVIOUS PAGE IF THERE IS A CHANGE IN THE INTEREST RATES, MORTALITY CHARGES OR THE TIMING AND
AMOUNT OF YOUR PREMIUM PAYMENTS. THE NON-GUARANTEED AMOUNTS SHOWN ARE BASED ON OUR CURRENT UNLOANED INTEREST RATE OF 6.45%. WE MAY CHANGE THE CURRENT INTEREST RATE AT ANY TIME BUT MAY NOT CREDIT LESS THAN THE GUARANTEED ANNUAL RATE OF 4.00%. WE MAY
CHANGE THE CURRENT MORTALITY CHARGES AT ANY TIME BUT MAY NOT CHARGE MORE THAN THE GUARANTEED CHARGES. FURTHER, THE TAX STATUS OF THIS CONTRACT SHOULD BE REVIEWED EACH YEAR. FOR FURTHER INFORMATION, CONTACT THE INSURANCE COMPANY OR YOUR AGENT SHOWN
AT THE TOP OF PAGE 1. 
  
 *** THE PROJECTED VALUES ON THE PREVIOUS
PAGE INCLUDE THE*** 
 ***            COSTS AND BENEFITS OF THE BASIC
COVERAGE                      *** 
 ***         AND ANY ADDITIONAL INSURANCE OR PREMIUM RIDERS.  *** 
  

				
	 TYPE OF COVERAGE

	  	BENEFIT
AMOUNT

	 BASIC COVERAGE:
	  	 	 
	 FLEXIBLE PREMIUM ADJUSTABLE LIFE
	  	$	481,217.00
	 CASH VALUE VERSION
	  	 	 
	 ADDITIONAL INSURANCE RIDERS:
	  	 	 
	 ADDED PROTECTION BENEFIT
	  	 	1,924,866.00
	 OTHER RIDERS:
	  	 	 

  
 EXCHANGE OF INSURED
RIDER 
  

 27Group Personal Excess Liability Policy

 Exhibit 10(ll) 
 

 
  
 GROUP
PERSONAL 
 EXCESS LIABILITY 
 POLICY 

					
	  
 

	  	 Chubb Group of Insurance Companies
 15 Mountain View
Road, Warren, New Jersey 07060
	  	Group
Personal Excess
Liability Policy

  
 COVERAGE
SUMMARY                                       
                                      
  

			
	Name and address of Insured	 	Policy Number (05) 7952-68-99
		
	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP
GRUMMAN CORPORATION
 1840 CENTURY PARK EAST, 152/CC
 LOS ANGELES,
CALIFORNIA
 90067
	 	 Issued by the stock insurance company indicated below, herein called the Company.
  
 CHUBB CUSTOM INSURANCE COMPANY
 Incorporated
under the laws of Delaware, herein called the Company.

		
	Sponsoring Organization and Address	 	 
		
	 NORTHROP GRUMMAN CORPORATION
 1840 CENTURY PARK
EAST,
 152/CC
 LOS ANGELES, CA 90067
	 	Producer Number 0054782

  
 Policy Period 
  
 From:    NOVEMBER 01,
2004        To:    NOVEMBER 01, 2005 
  
 Premium 
  
   Amount 
   $302,150.00 
  
 Limit of Liability 
  

			
	SEE ENDT.	  	Each Occurrence
	$2,000,000	  	 Excess Uninsured / Underinsured
 Motorists Protection
Each Occurrence

  
 Required Primary Underlying
Insurance 
  
 Personal Liability (Homeowners) for personal injury and
property damage in the minimum amount of $100,000 each occurrence. 
  
 Registered
vehicles in the minimum amount of $250,000 / $500,000 bodily injury and $100,000 property damage; or $300,000 single limit each occurrence. Registered vehicles included motorcycles and motorhomes. 
  
 Unregistered vehicles in the minimum amount of $100,000 bodily injury and property damage
each occurrence. 
  
 Watercraft less than 26 feet and 50 engine rated horsepower
or less for bodily and property damage in the minimum amount of $100,000 each occurrence. 
  
 Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property damage in the minimum amount of $500,000 each occurrence. 

 Uninsured / Underinsured motorists protection in the minimum amount of $250,000 / $500,000 bodily injury or $300,000
single limit occurrence. 
  
 FAILURE TO COMPLY WITH THE REQUIRED PRIMARY
UNDERLYING INSURANCE WILL RESULT IN A GAP IN COVERAGE. 
  
 Amendments to
Your Policy, if any 
  

			
	Mandatory Amendment:	  	Subject to Chubb Custom Insurance Company Personal Excess Liability Form Service of Suit Clause

  
 Authorization

  
 In Witness Whereof, the company issuing this policy
has caused this policy to be signed by its authorized officers, but this policy shall not be valid unless also signed by a duly authorized representative of the company. 
  
 CHUBB CUSTOM INSURANCE COMPANY 
  

			
	

	 	

	Secretary	 	President

  

			
	 Authorized Representative
	 	

	

	Date    NOVEMBER 18, 2004	 	 

  
 Producer’s Name & Address

  
 AON RISK SERVICES/PRIVATE RISK MANAGEMENT 
 707 WILSHIRE BLVD., STE. 6000 
 LOS ANGELES, CA 90017 

			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 INTRODUCTION

  
 This is your Chubb Group Personal Excess Liability Policy. Together with
your Coverage Summary, it explains your coverages and other conditions of your insurance in detail. 
  
 This policy is a contract between you and us. READ YOUR POLICY CAREFULLY and keep it in a safe place. 
  
 Agreement 
  
 We agree to provide the insurance described in this policy in return for the premium paid by the Sponsoring Organization and your compliance with the policy conditions. 
  
 Definitions 
  
 In this policy, we use words in their plain English meaning. Words with special meanings are defined in the part of the policy where they
are used. The few defined terms used throughout the policy are defined here: 
  
 You means the individual who is a member of the Defined Group shown as the Named Insured in the Coverage Summary.  
  
 We and us mean the insurance company named in the Coverage Summary. 
  

Family member means your relative who lives with you, or any other person under 25 in your care or your relative’s care who lives with you. 
  
 Sponsoring Organization means the entity, corporation, partnership or sole
proprietorship sponsoring and defining the criteria for qualification as a Named Insured. 
  
 Policy means your entire Group Personal Excess Liability Policy, including the Coverage Summary. 
  
 Coverage Summary means the most recent Coverage Summary we issued to you, including any subsequent coverage amendments. 
  
 Occurrence means a loss or accident to which this insurance applies occurring within
the policy period. Continuous or repeated exposure to substantially the same general conditions unless excluded is considered to be one occurrence. 
  
 Business means any employment, trade, occupation, profession, or farm operation including the raising or care of animals. 
  
 Defined Group means those individuals meeting the criteria for qualification as Named
Insured as defined by the Sponsoring Organization and accepted by us. 
  
 GROUP PERSONAL EXCESS LIABILITY COVERAGE 
  
 This part of your
Group Personal Excess Liability Policy provides you with liability coverage in excess of your underlying insurance anywhere in the world unless stated otherwise or an exclusion applies. 
  
 Payment for a Loss 
  
 Amount of coverage 
  
 The amount of coverage for liability is shown in the Coverage Summary. We will pay on your behalf up to that amount for covered damages from any one occurrence, regardless of how many claims, homes, vehicles,
watercraft, or people are involved in the occurrence. 
  
 Any costs we pay for
legal expenses (see Defense coverages) are in addition to the amount of coverage. 
  
 Underlying Insurance 
  
 We will pay only
for covered damages in excess of all underlying insurance covering those damages, even if the underlying coverage is for more than the minimum amount. 
  
 “Underlying insurance” includes all liability coverage that applies to the covered damages, except for other insurance purchased in excess of this policy.

 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 Payment for a Loss 
 (continued) 
  
 Required primary underlying insurance

  
 Regardless of whatever other primary underlying insurance may be
available in the event of a claim or loss, it is a condition of your policy that you and your family members must maintain in full effect primary underlying liability insurance of the types and in at least the amounts set forth below unless a
different amount is shown in your Coverage Summary, covering your personal liability and to the extent you have such liability exposures, all vehicles and watercraft you or your family members own, or rent for longer than 30 days, or have furnished
for longer than 30 days, as follows: 
  
 Personal liability (homeowners) for
personal injury and property damage in the minimum amount of $100,000 each occurrence. 
  
 Registered vehicles in the minimum amount of: 
  
 $250,000/$500,000 bodily injury and $100,000 property damage; 
 $300,000 single limit each occurrence. 
  
 Unregistered vehicles in the minimum amount of $100,000 bodily injury and property damage
each occurrence. 
  
 Watercraft less than 26 feet and 50 engine rated horsepower
or less for bodily injury and property damage in the minimum amount of $100,000 each occurrence. 
  
 Watercraft 26 feet or longer or more than 50 engine rated horsepower for bodily injury and property damage in the minimum amount of $500,000 each occurrence. 
  
 Uninsured motorists/underinsured motorist protection in the minimum amounts of
$250,000/$500,000 bodily injury, $100,000 property damage or $300,000 single limit each occurrence. 
  
 Failure by you or your family members to comply with this condition, or failure of any of your primary underlying insurers due to insolvency or bankruptcy, shall not invalidate this policy. In the event of any such
failure, we shall only be liable in excess of the foregoing minimum amounts and to no greater extent with respect to coverages, amounts and defense costs than we would have been had this failure not occurred. 
  
 You must also give notice of losses and otherwise cooperate and comply with the terms and
conditions of such primary underlying insurance. 
  
 Excess Liability
Coverage 
  
 We cover damages a covered person is legally obligated to
pay for personal injury or property damage, caused by an occurrence: 
  
 in excess of damages covered by the underlying insurance; or 
  
 from the first dollar of damage where no underlying insurance is required under this policy and no underlying insurance exists; or 
  
 from the first dollar of damage where underlying insurance is required under this policy but no coverage is provided by the underlying insurance for a
particular occurrence, unless stated otherwise or an exclusion applies. 
  
 Exclusions to this coverage are described in Exclusions.  
  
 “Follow form” means: 
  
 We cover damages to the extent they
are both covered under the Required Primary Underlying Insurance and, not excluded under this policy. Also, the amount of coverage, defense coverages, cancellation and “other insurance” provisions of this policy supersede and replace the
similar provisions contained in such other policies. When this policy is called upon to pay losses in excess of required primary underlying policies exhausted by payment of claims, we do not provide broader coverage than provided by such policies.
When no primary underlying coverage exists, the extent of coverage provided on a follow form basis will be determined as if the required primary underlying insurance has been written on policy forms filed by Insurance Services Office. 
  
 A “covered person” means: 
 you are a family member; 
 any person using a
vehicle or watercraft covered under this policy with permission from you or a family member with respect to their legal responsibility arising out of its use; 

			
	

	  	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Excess Liability Coverage

 (continued) 
  
 any person or organization with respect to their legal responsibility for acts or omissions of you or a family member; or any combination of the above.

  
 “Damages” means the sum that is paid or is payable to satisfy a
claim settled by us or resolved by judicial procedure or by a compromise we agree to in writing. 
  
 “Personal injury” means the following injuries, and resulting death: 
  
 bodily injury; 
  
 shock, mental anguish, or mental injury; 
  
 false arrest, false imprisonment, or wrongful detention; 
  
 wrongful entry or eviction; 
  
 malicious prosecution or humiliation; and 
  
 libel, slander, defamation of character, or invasion of privacy. 
  

“Bodily injury” means physical bodily harm, including sickness or disease that results from it, and required care, loss of services and resulting death.

  
 “Property damage” means physical injury to or destruction of
tangible property and the resulting loss of its use. Tangible property includes the cost of recreating or replacing stocks, bonds, deeds, mortgages, bank deposits, and similar instruments, but does not include the value represented by such
instruments. 
  
 “Registered vehicle” means any motorized land vehicle
not described in “unregistered vehicle.” 
  
 “Unregistered
vehicle” means: 
  
 any motorized land vehicle not designed
for or required to be registered for use on public roads; 
  
 any
motorized land vehicle which is in dead storage at your residence; 
  
 any motorized land vehicle used solely on and to service your residence premises; or 
  
 golf carts. 
  
 Excess uninsured
motorists/underinsured motorist protection 
  
 This coverage is in effect
only if excess uninsured motorists/underinsured motorists protection is shown in the Coverage Summary. 
  
 We cover damages for bodily injury and property damage a covered person is legally entitled to receive from the owner or operator of an uninsured motorized/underinsured motorized land vehicle. We cover these damages
in excess of the underlying insurance or the Required Primary Underlying Insurance, whichever is greater, if they are caused by an occurrence during the policy period, unless otherwise stated. 
  
 Amount of coverage. The maximum amount of excess uninsured motorists/underinsured
motorists protection available for any one occurrence is the excess uninsured motorists/underinsured motorists protection amount shown in the Coverage Summary regardless of the number of vehicles covered by the Required Premium Underlying Insurance.
We will not pay more than this amount in any one occurrence for covered damages regardless of how many claims, vehicles or people are involved in the occurrence. 
  
 This coverage will follow form. 
  
 Uninsured motorists/underinsured motorists protection arbitration 
  
 If we and a covered person disagree whether that person is legally entitled to recover damages from the owner or operator of an uninsured motor vehicle/underinsured motor
vehicle, or do not agree as to the amount of damages, either party may make a written demand for arbitration. In this event, each party will select an arbitrator. The two arbitrators will select a third. If they cannot agree on a third arbitrator
within 45 days, either may request that the arbitration be submitted to the American Arbitration Association. When the covered person’s recovery exceeds the minimum limit specified in the applicable jurisdiction’s financial responsibility
law, each party will pay the expenses it incurs, and bear the expenses of the third arbitrator equally. Otherwise, we will bear all the expenses of the arbitration. 
  
 Unless both parties agree otherwise, arbitration will take place in the county and state in which the covered person lives. Local rules of
law as to procedure and evidence will apply. A decision agreed to by two arbitrators will be binding unless the recovery amount for bodily injury exceeds the minimum limit specified by the applicable jurisdiction’s financial responsibility law.
If the amount exceeds that limit, either party may demand the right to a trial. This demand must be made within 60 days of the arbitrator’s decision. If this demand is not made, the amount of damages agreed to by the arbitrators will be
binding. 

			
	 	  	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Excess Liability Coverage

 (continued) 
  
 Defense coverages 
  
 We will defend a covered person against any suit seeking covered damages for personal injury or property damage that is either: 
  

not covered by any underlying insurance; or 
  
 covered by an underlying policy as each Defense Coverage has been exhausted by payment of claims. 
  
 We provide this defense at our expense, with counsel of our choice, even if the suit is
groundless, false, or fraudulent. We may investigate, negotiate, and settle any such claim or suit at our discretion. 
  
 As part of our investigation, defense, negotiation, or settlement, we will pay: 
  

all premiums on appeal bonds required in any suit we defend; 
  

all premiums on bonds to release attachments for any amount up to the amount of coverage (but we are not obligated to apply for or furnish any bond);

  
 all expenses incurred by us; 
  
 all costs taxed against a covered person; 
  
 all interest accruing after a judgment is entered in a suit we defend on
only that part of the judgment we are responsible for paying. 
  
 We will not pay interest accruing after we have paid the judgment up to the amount of coverage; 
  
 all prejudgment interest awarded against a covered person on that part of the judgment we pay or offer to pay. We will not pay any prejudgment interest
based on that period of time after we make an offer to pay the amount of coverage; 
  
 all earnings lost by each covered person at our request, up to $250 a day, to a total of $10,000; 
  
 other reasonable expenses incurred by a covered person at our request; and 
  
 the cost of bail bonds required of a covered person because of a covered loss. 
  
 In jurisdictions where we may be prevented by local law from carrying out these Defense
Coverages, we will pay only those defense expenses that we agree in writing to pay and that are incurred by you. 
  
 Exclusions 
  
 These exclusions apply to your Group Personal Excess Liability Coverage, unless stated otherwise. 
  
 Owned motorcycles and owned motor homes. We do not cover any damages arising out of the ownership, maintenance, use, loading or
unloading of any owned motorcycle or owned motor home unless there is coverage under the Required Primary Underlying Insurance for the motorcycle or motor home. The coverage for owned motorcycles and owned motor homes is on a follow form basis.

  
 Aircraft. We do not cover any damages arising out of the ownership,
maintenance, use, loading, unloading, or towing of any aircraft, except aircraft chartered with crew by you. We do not cover any property damages to aircraft rented to, owned by, or in the care, custody or control of a covered person. 
  
 Large watercraft. We do not cover any damages arising out of the ownership,
maintenance, use, loading, unloading or towing of any watercraft 26 feet or longer or with more than 50 engine rated horsepower owned by a covered person, or furnished or rented to a covered person for longer than 30 days. But we do cover watercraft
being stored, unless another exclusion applies. Coverage is provided on a following form basis if the watercraft is covered under the Required Primary Underlying Insurance. 
  
 Motorized land vehicle, watercraft and aircraft racing. We do not cover any damages arising out of the participation in or practice
for competitive racing of any motorized land vehicle, watercraft or aircraft. This exclusion does not apply to sailboat racing even if the sailboat is equipped with an auxiliary motor. 
  
 Motorized land vehicle and watercraft-related jobs. We do not cover any person while employed or otherwise engaged in the business of
selling, repairing, servicing, storing, parking, docking, mooring, testing, or delivering motorized land vehicles or watercraft. 
  
 Motorized land vehicle and watercraft loading. We do not cover any person or organization, with respect to the loading or unloading of motorized land vehicles or
watercraft. 

			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Exclusions 

(continued) 
  
 Workers’ compensation or disability. We do not cover any damages a covered person is legally obligated to provide under any workers’ compensation, disability benefits, unemployment compensation or
similar laws. But we do provide coverage in excess over any other insurance for damages a covered person is legally obligated to pay for bodily injury to a domestic employee of a residence covered under the Required Primary Underlying Insurance
which are not compensable under workers’ compensation, unless another exclusion applies. 
  
 Director’s liability. We do not cover any damages for any covered person’s actions or failure to act as an officer or member of a board of directors of any corporation or organization. This exclusion
does not apply to a not-for-profit corporation or organization, or to a condominium or cooperative association. 
  
 Damage to covered person’s property. We do not cover any person for property damage to property owned by any covered person. 
  
 Damage to property in your care. We do not cover any person for property damage to
property rented to, occupied by, used by, or in the care of any covered person, to the extent that the covered person is required by contract to provide insurance. But we do cover such damages for loss caused by fire, smoke, or explosion unless
another exclusion applies. 
  
 Discrimination. We do not cover any damages
arising out of discrimination due to age, race, color, sex, creed, national origin, or any other discrimination. 
  
 Intentional acts. We do not cover any damages arising out of an act intended by a covered person to cause personal injury or property damage, even if the injury or
damage is of a different degree or type than actually intended or expected. An intentional act is one whose consequences could have been foreseen by a reasonable person. But we do cover such damages if the act was intended to protect people or
property unless another exclusion applies. 
  
 Molestation, misconduct or
abuse. We do not cover any damages arising out of any actual, alleged or threatened: 
  
 sexual molestation; 
  
 sexual
misconduct or harassment; or 
  
 abuse. 
  
 Nonpermissive use. We do not cover any person who uses a motorized land vehicle or
watercraft without permission from you or a family member. 
  
 Business
pursuits. We do not cover any damages arising out of a covered person’s business pursuits, investment or other for-profit activities, for the account of a covered person or others, or business property except on a follow form basis.

  
 But we do cover damages arising out of volunteer work for an organized
charitable, religious or community group, an incidental business away from home, incidental business at home, incidental business property, incidental farming, or residence premises conditional business liability unless another exclusion applies. We
also cover damages arising out of your ownership, maintenance, or use of a private passenger motor vehicle in business activities other than selling, repairing, servicing, storing, parking, testing, or delivering motorized land vehicles. 

 
 “Incidental business away from home” is a self-employed sales activity, or a
self-employed business activity normally undertaken by person under the age of 18 such as newspaper delivery, babysitting, caddying, and lawn care. Either of these activities must: 
  
 not yield gross revenues in excess of $5,000 in any year; 
  
 have no employees subject to worker’s compensation or other similar disability laws; 
  
 conform to local, state, and federal laws. 

 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 Exclusions 
 (continued) 
  
 “Incidental business
at home” is a business activity, other than farming, conducted on your residence premises which must: 
 not yield gross revenues in
excess of $5,000 in any year, except for the business activity of managing one’s own personal investments; 
 have no employees subject
to worker’s compensation or other similar disability laws; 
 conform to local, state, and federal laws. 
  
 “Incidental business property” is limited to the rental or holding for rental, to
be used as a residence, of a condominium or cooperative unit owned by you, an apartment unit rented to you, a one or two family dwelling owned by you, or a three or four family dwelling owned and occupied by you. We provide this coverage only for
premises covered under the Required Primary Underlying Insurance unless the rental or holding for rental is for: 
  
 a residence of yours that is occasionally rented and that is used exclusively as a residence; or 
  
 part of a residence of yours by one or two roomers or boarders; or

  
 part of a residence of yours as an office, school, studio, or
private garage. 
  
 “Incidental farming” is a farming activity which
meets all of the following requirements: 
  
 is incidental to
your use of the premises as your residence; 
  
 does not involve
employment of others for more than 1,000 hours of farm work during the policy period; 
  
 does not produce more than $2,500 in gross annual revenue from agricultural operations; 
  
 and with respect to the raising or care of animals: 
  
 does not produce more than $25,000 in gross annual revenues; 
  
 does not involve more than 10 sales transactions during the policy period; 
  
 does not involve the sale of more than 25 animals during the policy period. 
  
 “Residence premises conditional business liability” is limited to business or
professional activities when legally conducted by you or a family member at your residence. We provide coverage only for personal injury or property damage arising out of the physical condition of that residence if: 
  
 you do not have any employees involved in your business or professional
activities who are subject to workers’ compensation or other similar disability laws; or, if you are a doctor or dentist, you do not have more than two employees subject to such laws; you do not earn annual gross revenues in excess of $5,000,
if you are a home day care provider. 
  
 We do not cover damages or consequences
resulting from business or professional care or services performed or not performed. 
  
 Financial guarantees. We do not cover any damages for any covered person’s financial guarantee of the financial performance of any covered person, other individual or organization. 
  
 Professional services. We do not cover any damages for any covered person’s
performing or failure to perform professional services, or for professional services for which any covered person is legally responsible or licensed. 
  
 Acts of war. We do not cover any damages caused directly or indirectly by war, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by
military forces or personnel, the destruction or seizure of property for a military purpose, or the consequences of any of these actions. 
  
 Contractual liability. We do not cover any assessments charged against a covered person as a member of a condominium or cooperative association. We also do not
cover any damages arising from contracts or agreements made in connection with any covered person’s business. Nor do we cover any liability for unwritten contracts, or contracts in which the liability of others is assumed after a covered loss.

  
 Covered person’s or dependent’s personal injury. We do not
cover any damages for personal injury for any covered person or their dependents where the ultimate beneficiary is the offending party or defendant. We also do not cover any damages for personal injury for which you can be held legally liable, in
any way, to a family member or your spouse or for which a family member or your spouse can be held legally liable, in any way, to you. 
  
 However, we do cover damages for bodily injury arising out of the use of a motorized land vehicle for which you can be held legally liable to a family member or your
spouse or for which a family member or your spouse can be held legally liable to you to the extent that coverage is provided under this policy. This coverage applied only to the extent such damages are covered by primary underlying insurance and
exceed the limits of insurance required for the motorized land vehicle under the Required Primary Underlying Insurance provisions of this policy. 
  
 Liability for dependent care. We do not cover any damages for personal injury for which a covered person’s only legal liability is by virtue of a contract or
other responsibility for a dependent’s care. 

			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Exclusions 

(continued) 
  
 Illness. We do not cover personal injury or property damage resulting from any illness, sickness or disease transmitted intentionally or unintentionally by a covered person to anyone, or any consequence
resulting from that illness, sickness or disease. We also do not cover any damages for personal injury resulting from the fear of contracting any illness, sickness or disease, or any consequence resulting from the fear of contracting any illness,
sickness or disease. 
  
 Parental liability. We do not cover any damages
arising from parental liability for the acts of a minor using a motorized land vehicle, watercraft 26 feet or longer or with more than 50 engine rated horsepower, or aircraft. But we do cover parental liability for the acts of a minor using a
motorized land vehicle or watercraft on a follow form basis for the type of motorized land vehicle or watercraft involved, unless another exclusion applies. 
  
 Entrustment. We do not cover any damages arising from the entrustment by any covered person of a motorized land vehicle, watercraft 26 feet or longer or with more
than 50 engine rated horsepower, or aircraft to any person. But we do cover entrustment by any covered person of a motorized land vehicle or watercraft on a follow form basis for the type of motorized land vehicle or watercraft involved, unless
another exclusion applies. 
  
 Nuclear or radiation hazard. We do not cover
any damages caused directly or indirectly by nuclear reaction, radiation, or radioactive contamination, regardless of how is was caused. 

 GROUP PERSONAL EXCESS LIABILITY POLICY 
  
 POLICY TERMS 
  
 This part of your Group Personal Excess Liability Policy explains the conditions that apply to your policy. 
  
 General Conditions 
  
 These conditions apply to your policy in general, and to each coverage in it. 
  
 Policy period 
  
 The effective dates of your policy are shown in the Coverage Summary. Those dates begin at 12:01 a.m. standard time at the mailing address shown. 
  
 All coverages on this policy apply only to occurrences that take place while this policy is in effect. 
  
 Renewals 
  
 We may offer to continue this policy for renewal periods, at the premiums and under the policy provisions in effect at the date of renewal.
We may do this by mailing you a bill for the premium to the address shown in the Coverage Summary, along with any changes in the policy provisions or amounts of coverage. 
  
 You may accept our offer by paying the required premium on or before the starting date of each renewal period. 
  
 Transfer of rights 
  
 If we make a payment under this policy, we will assume any recovery rights a covered person has in connection with that loss, to the extent
we have paid for the loss. 
  
 All of your rights of recovery will become our
rights to the extent of any payment we make under this policy. A covered person will do everything necessary to secure such rights; and do nothing after a loss to prejudice such rights. However, you may waive any rights of recovery from another
person or organization for a covered loss in writing before the loss occurs. 
  
 Concealment or fraud 
  
 This policy is void if you or any
covered person has intentionally concealed or misrepresented any material fact relating to this policy before or after a loss. 
  
 Application of coverage 
  
 Coverage applies separately to each covered person. However, this provision does not increase the amount of coverage for any one occurrence. 
  
 Assignment 
  
 You cannot transfer your interest in this policy to anyone else unless we agree in writing to the transfer. 
  
 Policy changes 
  
 This policy can be changed only by a written amendment we issue. 
  
 Bankruptcy or insolvency 
  
 We will meet all our obligations under this policy regardless of whether you, your estate, or anyone else or their estate becomes bankrupt or insolvent. 
  
 In case of death 
  
 In the event of your death, coverage will be provided until the end of the policy period or policy anniversary date, whichever occurs first,
for any surviving member of your household who is a covered person at the time of death. We will also cover your legal representative or any person having proper temporary custody of your property. 
  
 Conforming to state law 
  
 If any provisions of this policy conflicts with any applicable laws of the state you live in, this policy is amended to conform to those
laws. 
  
 Liability Conditions 
  
 These conditions apply to all liability coverages in this policy. 
  
 Other Insurance 
  
 This insurance is excess over any other insurance except that written specifically to cover excess over the amount of coverage that applies
in this policy. 

			
	

	 	GROUP PERSONAL EXCESS LIABILITY POLICY

  
 Liability Conditions

 (continued) 
  
 Your duties after a loss 
  
 In case of an accident or occurrence, the covered person shall perform the following duties that apply: 
  
 Notification. You must notify us or your agent or broker as soon as possible. 
  
 Assistance. You must provide us with all available information. This includes any suit
papers or other documents which help us in the event that we defend you. 
  
 Cooperation. You must cooperate with us fully in any legal defense. This may include any association by us with the covered person in defense of a claim reasonably likely to involve us. 
  
 Appeals 
  
 If a covered person, or any primary insurer, does not appeal a judgment for covered damages, we may choose to do so. We will then become
responsible for all expenses, taxable costs, and interest arising out of the appeal. However, the amount of coverage for damages will not be increased. 
  
 Special Conditions 
  
 In the event of conflict with any other conditions of your policy, these conditions supersede. 
  
 Legal action against us 
  
 You agree not to bring action against us unless you have first complied with all conditions of this policy. If you have a loss, you agree not to bring any action against
us until the obligation has been determined by final judgment or a written agreement by us. 
  
 Notice of cancellation and coverage termination conditions 
  
 Your cancellation. The Sponsoring Organization may cancel this policy by returning it to us or notifying us in writing at any time subject to the following: 
  
 the Sponsoring Organization must notify us in advance of the requested
cancellation date; and 
  
 the Sponsoring Organization must
provide proof of notification to each member of the Defined Group covered under this policy. 
  
 Our cancellation. At our discretion we may cancel this policy by mailing to the Sponsoring Organization at the address shown on the Coverage Summary upon ten (10) days notice for non-payment of premium or
thirty (30) days notice in all other cases. 
  
 Termination. Should an
individual for any reason no longer qualify as a member of the Defined Group, coverage will cease sixty (60) days from the date of such termination, or the policy expiration or cancellation date, whichever comes first. 
  
 Refund. In the event of cancellation by the Sponsoring Organization or us, we will
refund any unearned premium on the effective date of cancellation, or as soon as possible afterwards to the Sponsoring Organization. The unearned premium will be computed short rate for the unexpired term of the policy. 

			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004

  
 NAMED INSURED
ENDORSEMENT 
  
 VICE PRESIDENTS, NON OFFICERS AND RETIREES OF
NORTHROP GRUMMAN 
 CORPORATION 
  

			
	 $10,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION

	
	 Ronald D. Sugar

		
	 $5,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION

  
 Lorenzo J. Abella

 Jerry B. Agee 
 Daniel D.
Allen 
 Samuel Alsgood 
 James
E. Anton 
 Dale S. Archer 
 Daniel L. Arczynski 
 James L. Armitage 
 George T. Arnsmeyer 
 Lawrence A. Auffrey 
 Dennis E. Averyt 
 William B. Ballantyne

 David Barakat 
 Barbara
Barcon 
 Leroy Barnidge 
 James
S. Barry 
 Mary Ann Benischek 
 Michael D. Bennett 
 Alan C. Bennett 
 Lawrence J. Blair 
 Paul S. Borzcik 
 Robert Brammer 
 John F. Breitfeller

 Lynne O. Brickner 
 Steve R. Briggs 
 Denis Brown 
 Joel E. Brown 
 James D. Bryan 
 Frederick H. Bullock 
 Mary K. Burch

 James W. Burnett 
 Dale E.
Burton 
 Carl J. Busch 
 Wesley
G. Bush 
 Daniel L. Callihan 
 James L. Cameron 
 James F. Carlini 
 William S. Carrier III 
 Mark Carroll 
 Patrick P. Caruana 
 John D. Casko

 James G. Cassady 
 Rajender
J. Chandhok 
 John Chino 
 John
L. Clay 
 Joe D. Cole Jr 
 Christopher B. Cool 
 Joseph O. Costello 
 Robert T. Cote 
 Susan L. Cote 
 Richard A. Croxall 
 Brian J. Cuccias

 Daniel W. Culleton 
 Steve T.
Cummings 
 John F. Daegele 
 Martin E. Dandridge 
 Chineta K. Davis 
 John V. De Maso 
 Robert L. Del Boca 
 Joseph M. Delaney 
 Anthony L. Deley

 David M. Di Carlo 
 Gregory
J. Donley 
 Alan J. Doshier 
 Thomas R. Douglas 
 Michael P. Driscoll 
 Robert W. Dubeau 
 Gerard A. Dufresne 
 Philip A. Dur 
 Larry W. Edelman 

Irwin F. Edenzon 
 John D. Edwards

 Gary W. Ervin 
 Darrell G.
Ewing, Sr. 
 Paul Faranda 
 Timothy M. Farrel1 
 Molly A. Ficarra 
 Arthur Thomas Fintel 
 Gloria Flach 
 Karin In. Flanagan 
 Frank Flores

 Jonh B. Foley III 
 Douglas
L. Fontaine Jr 
 William H. Forster 
 Ann R. Fortenberry 
 Darryl M. Fraser 

 

 
  
 Sidney E. Fuchs 
 Roger U. Fujii 
 Bradley Furukawa

 Mark R. Gagen 
 Bill Li.
Gallas 
 Bruce R. Gerding 
 Nelson Gibbs, Jr. 
 Emmitt E. Gibson 
 Thomas K. Glennan III 
 John C. Golombeck 
 James R. Goodrich 
 Clark Graham 

Jeffrey D. Grant 
 Katherine A. Gray

 Otto J. Guenther 
 Robert L.
Gunter 
 Larry Harrell 
 David
S. Harvey 
 Michael J. Hateley 
 Richard L. Haver 
 Jimmie R. Haygood 
 Maureen P. Heath 
 Robert W. Helm 
 Teno L. Henderson 
 Christopher M. Hernandez

 Jerome L. Hetrick 
 Robert
Hinson 
 Raphael S. Holder 
 Francis K. Holian 
 James R. Hupton 
 Cynthia L. Hyland 
 Robert P. Iorizzo 
 Cheryl L. Janey 
 Mark A. Jendzejec

 Suzanne F. Jenniches 
 Carl
O. Johnson 
 Craig L. Johnson 
 John C. Johnson 
 Thomas H. Johnston 
 Thomas V. Jones 
 Chares L. Jones 
 Jill S. Kale 
 Michele Y. Kang 

Clayton K. Kau 
 Alene G. Kaufman

 John Kavanaugh 
 Gaston Kent

 Robert W. Klein 
 Marsha
Klontz 
 Lisa V. Kohl 
 Keith
C. Krantz 
 Donald H. Kump 
 Richard L. Lapado 
 Lawrence J. Lanzillotta 
 Jack A. Lautenschlager 
 Taylor W. Lawrence 
 Michael W. Lennon 
 William G. Lese

 Robert A. Lindeman 

 James J. Lindenfelser 
 Alexander C. Livanos 
 Jeremiah R. Madigan 
 Paul A. Marchisotto 
 Kenneth L. Mars

 Frank C. Marshall Jr 
 James
Martin 
 John J. Mazach 
 Gary
W. Mc Kenzie 
 Robert J. Mc Nulty 
 Bernard P. Mc Vey 
 Patricia M. McMahon 
 Timothy McMahon 
 Mike J. Mcvey 
 Robert Merchent 
 John L. Messmore

 Paul K. Meyer 
 Linda A.
Mills 
 Robert K. Mitchell 
 William M. Mitchell 
 Dan Montgomery 
 Arnold P. Moore 
 Corey S. Moore 
 Frank W. Moore 
 Stephen C. Movius

 Matthew J. Mulherin 
 John H.
Mullan 
 Diane Murray 
 Albert
F. Myers 
 James M. Myers 
 David A. Nagy 
 David Nastase 
 Margaret L. Nelson 
 Robert E. Nelson 
 Lance G. Newquist 
 Barbara A. Niland 
 Todd A. Norwood 
 Charles H. Noski

 Edward J. Nowacki 
 Rosanne
P. O’brien 
 James R. O’neill 
 Janis G. Pamiljans 
 Travis Wood Parker 
 Robert Pattishall 
 Joseph G. Penarczyk

 George W. Perkins 
 Steven R.
Perkins 
 Michael C. Petters 
 George R. Petteys Jr. 
 Anthony D. Piazza 
 George E. Pickett 
 Carolyn Pittman 
 James F. Pitts 
 Ralph K. Pope 

Everett H. Pratt Jr 
 Christine C.
Reynolds 
 Barry L. Rhine 
 Frederick L. Ricker 
 Jan G. Rideout 
 Kerry D. Rines 
 Robert M. Roberts 
 Hubert E. Robinson 
 Paul M. Robinson

 

 
  
 Gerard Roccanova 

Salvatore M. Romano 
 Thomas E. Romesser

 David S. Rosener 
 James L.
Sanford 
 Richard S. Schenk 
 Kraig H. Scheyer 
 Richard F. Schmaley 
 Gregory A. Schmidt 
 Kent R. Schneider 
 Kevin T. Sculley 
 Sonja F. Sepahban

 Scott J. Seymour 
 Stuart
Shea 
 Michael Sheehan 
 Thomas
W. Shelman 
 John E. Shephard Jr 
 David A. Shrum 
 Jeffrey S. Shuman 
 Neil G. Siegel 
 Mary A. Simmerman 
 Ronald Smith 
 Wylie B. Smith Jr 

Robert B. Spiker 
 Vicki E. Spira

 Scott D. Stabler Ii 
 David
F. Stafford 
 Craig Staresinich 
 John R. Stavlo 
 Rebecca A. Stewart 
 Dwight C. Streit 
 Stephen H. Strom 
 William O. Studeman 
 Pamela J. Sullivan

 Sally A. Sullivan 
 James B.
Tapp, Jr. 
 Joseph Taylor 
 Hugh E. Taylor 
 Philip E. Teel 
 Burks W. Terry 
 Steven D. Timmerman 
 Thomas W. Tomlinson 
 Michele Toth

 Ivory E. Tucker 
 Mark A.
Tucker 
 Richard A. Underhill 
 Mark Ureda 
 David B. Vandervoet 
 William Varner 
 Thomas E. Vice 
 Charles H. Volk 
 Christopher Waln

 Charles B. Wande 
 Robert A.
Waters 
 David W. Whiddon 
 James J. White 
 Roy C. Whites 
 Donald C. Wilhelm 
 David T. Williams 

 Linda M. Williams 
 Thomas L. Williams 
 Kenneth E. Wilson 
 Veasey W. Wilson 
 James W. Winchester

 Donald C. Winter 
 Richard T.
Witton, Jr. 
 Georetta A. Wolff 
 Thurston E. Womble 
 Sandra J. Wright 
 John H. Young, Jr. 
 George R. Yount 
 Stephen D. Yslas 
 Marty Zelman 

Carol J. Zierhoffer 
 Ian Ziskin

 David W. Zolet 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger

			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT	  	 
		
	Policy Period	  	NOVEMBER 01, 2004 to NOVEMBER 01, 2005
		
	Effective Date	  	NOVEMBER 01, 2004
		
	Policy Number	  	( 05 ) 7952-68-99
		
	Insured	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF
NORTHROP GRUMMAN CORPORATION

		
	Name of Company	  	CHUBB CUSTOM INSURANCE COMPANY
		
	Date Issued	  	NOVEMBER 18, 2004

  

			
	 $2,000,000
	  	 LIMIT OF LIABILITY

	 $2,000,000
	  	 UNINSURED/UNDERINSURED MOTORISTS PROTECTION

  
 Terry J. Anderson

 Curt E. Armbruster 
 Harry
Armen, Jr. 
 Kent T. Attridge 
 Gregory Ashby 
 Steven C. Babb 
 John J. Ball 
 David C. Beard 
 Russell J. Bercier 
 Denny J. Beroiz 
 David A. 
 Richard J. Boak 
 Jennifer R. Boykin 
 Louis A. Bozzella

 Jeffrey A. Brody 
 Robert M.
Broton 
 Kenneth R. Brown 
 Edward G. Bughman 
 Michael J. Butchko 
 James A. Byrne 
 Joseph M. Cagnazzi 
 Douglas E. Campion 
 William E. Carty

 Frank Catalfamo 
 John J.
Charland 
 Daniel S. Cockroft 
 Thomas Conroy 
 Jeffrey J. 
 Ramon P. Dasal 
 Robert C. Davis 
 James M. Dean 
 Dario Deangelis 
 Kim L. Dismuke 
 Robert Doleman 

Nimesh Doshi 

 Michael W. Elliot 
 Craig Ellis 
 Mark Feldman 
 Peter Fera 
 Alfred J. Ferrari 
 Scott M. Freber 
 Chester D. Freeze

 Joseph C. Garone 
 Dennis
Gauci 
 Elizabeth R. Gomez 
 Harry M. Graves Jr 
 Richard J. Gregor 
 Karyn A. Greenfield 
 Marco N. Gulotta 
 Anthony C. Guma Jr 
 Edward G. Halloran

 William C. Haub 
 Harry H.
Heimple 
 William P. Hickman 
 Gary A. Hogarth 
 Robert A. Huebner 
 Frank M. Ioli 
 Leona Karbowski 
 Cheryl S. Kariya 
 Jonh T. Kenney

 Jonathon S. Korin 
 Stanley
Kwong 
 Ronald J. Langietti 
 Maris Lapins 
 Michale V. Leahy 
 Stanley Lee 
 Kenneth A. Lehman 
 Yu-Ping Liu 
 Michael A. Lotito 

Eugene J. Lowe 
 Joseph F. Lucente

 Palmer A. Marcantonio 
 Roland P. Marquis 
 Anthony G. Marrocco 
 Richard W. Mattern 
 William Mc Connell 
 Timothy S. McKnight 
 Richard A. Milburn

 Lucy Mineghino 
 Lorraine R.
Murray 
 Edward L. Naro 
 William T. Ober Ii 
 John Michael Patrick 
 R. M. Peak 
 Albert A. Pisani 
 Nataline F. Piscitelli 
 Terry W. Prosser 
 Michael R. Prueter 
 Harry Quandt

 Mark A. Rabinowitz 
 Mark A.
Rhoades 
 Gary P. Roehrig 
 Donna I. Rumph 
 Shari M. Sachs 
 Carol C. Schmitt 
 Robert J. Schutte 
 Gary F. Serio 
 Alfred J. Serrano

 

 

 LOGO 

  
 Shabbir A. Shad 
 Richard D. Shea 
 James M. Sims 

Steven A. Sloan 
 Colleen C. Smith

 Mary A. Solana 
 Harris
Sperling 
 Gordon R. Stewart 
 Marilyn J. Stewart 
 Jeffrey A. Stoy 
 David H. Strode 
 John Stumpf 
 Stanley R. Swenson, Jr. 
 Malcolm S. Swift 
 Richard L. Tallman 
 John B. Thompson, Jr.

 Deborah A. Thurman 
 Douglas
I. Timmer 
 Patricia A. Tisone 
 Charles Y. Tomita 
 John Urbanski 
 Louise Ussery 
 George F. Wagner 
 David S. Weil Jr 
 Thomas J. Weir

 David W. Werkheiser 
 Glen A.
West 
 Charles T. Williams 
 Roger B. Williams 
 Thomas R. Wilson 
 Douglas E. Wood 
 Thomas H. Zehner 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger

 

 
  

			
	Endorsement
		
	 Policy Period
	  	 NOVEMBER 01, 2004 To NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 (05) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004

  

					
	 	  	THIS POLICY IS SUBJECT TO THE FOLLOWING ENDORSEMENT:
		
	 Endorsement
 Compliance With Applicable Trade Sanctions
	  	 Compliance With Applicable Trade Sanctions
  
 This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance.

		
	 	  	All other terms and conditions remain unchanged.
			
	 	  	Authorized Representative 	 	

	 	  	

			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004

  
 INTERNATIONAL
RESIDENTS PRIMARY REQUIRED UNDERLYING LIMIT ENDORSEMENT 
  
 It
is agreed that with respect to the Named Insured residing outside of the United States, the required primary underlying insurance limits of liability shall be the same limits of liability as shown in the coverage summary, except for those Named
Insured residing in a country that does not provide the required primary underlying insurance limits of liability. In these countries the Named Insured will be required to obtain the maximum limits of liability available for all coverage shown on
the Coverage Summary under the required primary underlying insurance. 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger

			
	

	 	GROUP EXCESS LIABILITY POLICY

  

			
	ENDORSEMENT
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 ( 05 ) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004

  
 ANNUAL PREMIUM
ADJUSTMENT CLAUSE 
  
 It is agreed that this policy is written
with a deposit premium to be adjusted on either each policy anniversary or at policy expiration. The premium will be adjusted on the basis of the difference between the total number of participants at inception and the actual number of participants
at each anniversary. This difference is to be multiplied by fifty (50%) of the annual rate per participant, resulting in either an additional or return premium. 
  

			
	ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.
		
	Authorized Representative	 	 /s/ Robert Hamburger

 

 
  

			
	Endorsement
		
	 Policy Period
	  	 NOVEMBER 01, 2004 to NOVEMBER 01, 2005

		
	 Effective Date
	  	 NOVEMBER 01, 2004

		
	 Policy Number
	  	 (05) 7952-68-99

		
	 Insured
	  	 VICE PRESIDENTS, NON OFFICERS & RETIREES
 OF NORTHROP GRUMMAN CORPORATION

		
	 Name of Company
	  	 CHUBB CUSTOM INSURANCE COMPANY

		
	 Date Issued
	  	 NOVEMBER 18, 2004

  

			
	 California Service
 Of Suit Clause
	 	 THIS POLICY IS SUBJECT TO THE FOLLOWING ENDORSEMENT:
  
 It is agreed that in the event of the failure of the Company hereon to pay any amount claimed to be due hereunder, the Company hereon, at
the request of the Insured, will submit to the jurisdiction of a court of competent jurisdiction within the United States of America. Nothing in this condition constitutes or should be understood to constitute a waiver of the Company’s rights
to commence an action in any court of competent jurisdiction in the United States or to remove an action to a United States District Court or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state
in the United States.

		
	 	 	It is further agreed that service of process in such suit may be made upon James V. Lalor, 801 S. Figueroa Street, Suite 2400, Los Angeles, CA 90017-5556, or his nominee, and that in any suit
instituted against any one of them upon this policy, the Company will abide by the final decision of court or of any appellate court in the event of an appeal.
		
	 	 	The above-named is authorized and directed to accept service of process on behalf of the Company in any such suit and/or upon the request of the Insured to give a written undertaking to the
insured that it or they will enter a general appearance upon the Company’s behalf in the event such a suit shall be instituted.
		
	 	 	Further, pursuant to any statute of any state, territory or district of the United States of America, which makes provision therefore, the Company hereon hereby designates the Superintendent,
Commissioner or Director of Insurance, Secretary of State or other officer or officers specified for that purpose in the statute of his or their successor or successors in office, as their true and lawful attorney upon whom may be served any lawful
process in any action, suit or proceeding instituted by or on behalf of the Insured or any beneficiary hereunder arising out of this contract of insurance, and hereby designate James V. Lalor, or his nominee, as the person to whom the said officer
is authorized to mail such process or a true copy thereof.

  

			
	All other terms and conditions remain unchanged.
		
	Authorized Representative	 	 /s/ Robert Hamburger

 

 
  
 PRIVACY POLICY AND PRACTICES

  
 THIS NOTICE IS BEING SENT TO THE POLICYHOLDER OF AN INSURANCE POLICY.
IT DESCRIBES CHUBB’S POLICY FOR HANDLING CERTAIN PERSONAL INFORMATION OF ITS INDIVIDUAL CUSTOMERS. 
  
 Chubb has been serving the insurance needs of our customers for more than a century. To continue to provide innovative products and services that respond to your insurance needs, Chubb collects certain personal
information about you, which is described below in The Personal Information We Collect. At Chubb, we respect the privacy of our customers. Chubb’s personal information handling practices are regulated by law, and this Privacy Policy
describes those practices. 
  
 Chubb’s Privacy Policy 
  
 The Personal Information We Collect. Chubb collects personal information about
you and the members of your household to conduct business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements. 
  
 We may collect the following categories of information about you from these sources: 
  

	•	 	Information from you directly or through your agent, broker, or, automobile assigned risk plan, including information from applications, worksheets, questionnaires, claim forms or
other documents (such as name, address, driver’s license number, and amount of coverage requested). 

  

	•	 	Information about your transactions with us, our affiliates or others (such as products or services purchased, claims made, account balances and payment history).

  

	•	 	Information from a consumer reporting agency (such as motor vehicle reports). 

  

	•	 	Information from other non-Chubb sources (such as prior loss information and demographic information). 

  

	•	 	Information from visitors to our websites (such as that provided through online forms and online information collecting devices known as “cookies”). Chubb does not use
“cookies” to retrieve information from a visitor’s computer that was not originally sent in a “cookie”. 

  

	•	 	Information from an employer, benefit plan sponsor, benefit plan administrator or master policyholder for any Chubb individual or group insurance product that you may have (such as
name, address and amount of coverage requested). 

  
 The
Personal Information We Share. Chubb may disclose the personal information we collect to service, process, or administer business operations such as underwriting and claims, and for other purposes such as the marketing of products or
services, regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as permitted by law. 
  
 Sharing Personal Information With Others. Chubb may disclose the personal
information we collect to affiliated and non-affiliated parties for processing and servicing transactions, such as reinsurers, insurance agents or brokers, property and automobile appraisers, auditors, claim adjusters, third party administrators
and, in the case of group insurance, employers, benefit plan sponsors, benefit plan administrators or master policyholders. For example, Chubb may disclose personal information to our affiliates and other parties that perform services for us such as
customer service or account maintenance. Specific examples include mailing information to you and maintaining or developing software for us. Chubb may also disclose personal information to nonaffiliated parties as permitted by law. For example, we
may disclose information in response to a subpoena, to detect or prevent fraud, or to comply with an inquiry or requirement of a government agency or regulator. 
  

Sharing Personal Information With Service Providers or for Joint Marketing. Chubb may disclose the personal information we collect to agents and brokers
so that they can market financial products and services and to service providers who perform functions for us. Any such disclosure is required to be subject to an agreement with us that includes a confidentiality provision. We do not disclose
personal information to other financial institutions with which we may have joint marketing arrangements; however, we reserve the right to do so in the future, subject to the other financial institution entering into an agreement with us that
includes a confidentiality provision. 

 Confidentiality and Security of Personal Information. Access to personal information is allowed for
business purposes only. The people who have access to personal information, including employees of Chubb and its affiliates, and non-employees performing business functions for Chubb, are under obligations to safeguard such information. Chubb
maintains physical, electronic, and procedural safeguards to guard your personal information. 
  
 Personal Health Information. Under certain circumstances, we also collect personal health information about our customers, such as information regarding an accident, disability or injury, for
underwriting or claim purposes. Chubb does not disclose your personal health information to others for the purpose of marketing to you unless we have your express consent. 
  
 Personal Information of Former Customers. Chubb’s personal information privacy policy also applies to former customers.

  
 Changes in Privacy Policy. Chubb may choose to modify this
policy at any time. We will notify customers of any modifications at least annually. 
  
 Definitions. 
  
 “Chubb” means the following
companies on whose behalf this notice is given: 
  
 Chubb & Son Inc.

 Chubb & Son Inc. (of Illinois) 
 Chubb Custom Insurance
Company 
 Chubb Custom Market, Inc. 
 Chubb Indemnity Insurance
Company 
 Chubb Insurance Company of New Jersey 
 Chubb Lloyds
Insurance Company of Texas 
 Chubb Multinational Managers, Inc. 
 Chubb National Insurance Company 
 Executive Risk Indemnity Inc. 
 Executive Risk Specialty Insurance Company 
 Federal Insurance Company 
 Great Northern Insurance Company 
 Northwestern Pacific Indemnity Company

 Pacific Indemnity Company 
 Quadrant Indemnity Company

 Texas Pacific Indemnity Company 
 Vigilant Insurance Company

  
 “Customer” and “you” mean any individual who obtains or
has obtained a financial product or service from Chubb that is to be used primarily for personal, family or household purposes. This notice applies to customers only. 
  
 “Personal information” means non-public personal information, which is defined by law as personally identifiable financial
information provided by you to Chubb, resulting from a transaction with or any service performed for you by Chubb, or otherwise obtained by Chubb. Personal information does not include publicly available information as defined by applicable law.

  
 Chubb Group of Insurance Companies 
 Chubb Custom Market Department 
 Attention: Privacy Inquiries 
 25 Independence Boulevard

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