(LETTER TO CONTRACT OWNERS)
Dear Contract Owner:
We are pleased to share with you the investment results of the funds held in
your First Citicorp Life variable annuity during the first six months of this
year. In this report, you will find extensive information regarding each
fund's performance as well as other pertinent financial data.
The variable annuity you purchased has been designed to enable you to reach
your investment goals. We are continually exploring ways to improve our
product and welcome any suggestions or comments you may have regarding your
variable annuity or the service you receive from our committed staff. Please
feel free to call us at 1-800-497-4857 from 8:00 a.m. to 5:00 p.m. Eastern
time, Monday through Friday.
We thank you for allowing us the opportunity to service your investment
needs. We look forward to continuing to provide you with the highest level
of satisfaction with your annuity.
Sincerely,
/s/Chad H. Masland
Chad H. Masland
Senior Vice President, Marketing
FIRST CITICORP LIFE INSURANCE COMPANY
