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EXHIBIT 15
Power-of-Attorney
KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature appears
below hereby constitutes and appoints CHRISTINE A. NIXON and MALLARY L. REZNIK
or each of them, as his true and lawful attorneys-in-fact and agents, with full
power of substitution and resubstitution, for him and in his name, place and
stead, in any and all capacities, to sign any and all amendments (including
post-effective amendments) to this Registration Statement, and to file the same,
with all exhibits thereto, and other documents in connection therewith, as fully
to all intents as he might or could do in person, including specifically, but
without limiting the generality of foregoing, to (i) take any action to comply
with any rules, regulations or requirements of the Securities and Exchange
Commission under the federal securities laws; (ii) make application for and
secure any exemptions from the federal securities laws; (iii) register
additional annuity contracts under the federal securities laws, if registration
is deemed necessary. The undersigned hereby ratifies and confirms all that said
attorneys-in-fact and agents or any of them, or their substitutes, shall do or
cause to be done by virtue thereof.
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<CAPTION>
SIGNATURE TITLE DATE
--------- ----- ----
<S> <C> <C>
/s/ ELI BROAD Chief Executive Officer December 8, 2000
---------------------- and Chairman of the Board
Eli Broad (Principal Executive
Officer)
/s/ MARC H. GAMSIN Senior Vice President December 8, 2000
---------------------- and Director
Marc H. Gamsin
/s/ N. SCOTT GILLIS Senior Vice President December 8, 2000
---------------------- and Director
N. Scott Gillis (Principal Financial
Officer)
/s/ JAMES R. BELARDI Senior Vice President December 8, 2000
---------------------- and Director
James R. Belardi
/s/ JANA W. GREER Senior Vice President December 8, 2000
---------------------- and Director
Jana W. Greer
/s/ MAURICE S. HEBERT Vice President December 8, 2000
---------------------- and Controller
Maurice S. Hebert (Principal Accounting
Officer)
/s/ JAY S. WINTROB President and December 8, 2000
---------------------- Director
Jay S. Wintrob
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