For questions or more information on this submission, please contact John Meetz, staff liaison to the VUL Subgroup, at (202) 785-6924 or meetz@actuary.org. DATE: September 23, 2010 TO: Pete Weber, Chair, NAIC VM PBR Life Subgroup SUBJECT: Deterministic Return Paths in VM-20 1850 M Street NW Suite 300 Washington, DC 20036 Telephone 202 223 8196 Facsimile 202 872 1948 www.actuary.org