Exhibit 11(b)


             Addendum to Memoranda describing certain procedures
                  filed pursuant to Rule 6e-3(T)(b)(12)(iii)


Delivery of Death Benefit Checks.


        If the payee has elected a lump sum payment, the check will be mailed
directly to the payee. If a representative requests that the check be sent to
the sales office, it should be delivered within 24 hours after it is received
in the sales office. When this is not possible, the check should be mailed
immediately by the sales office.