GROUP PERSONAL UMBRELLA LIABILITY INSURANCE PROGRAM

 Exhibit 10mm

                    DESCRIPTION OF PACIFIC TELESIS GROUP
             GROUP PERSONAL UMBRELLA LIABILITY INSURANCE PROGRAM

Coverage: Group Personal Umbrella Liability

Insured:  All members of insured groups, 1.) All TEMG members, 2.) All Board
          of Directors, 3.) All  Non-Officer Business Unit Heads 4.)  All H-
          18's and 5.) All retired members who were previously insured under
          one of the other groups. 

Limits:   $5,000,000               Per   occurrence,   excess  of   Required
                                   Underlying    Limits    of    Automobile,
                                   Snowmobile, & UM/UIM    $250,000/$500,000
                                   BI & $50,000 PD  or $300,000 ($325,000 in
                                   Texas) CSL per  occurrence.   Homeowners,
                                   Watercraft  & Employers  Liability       
                                   $100,000 per occurrence

Additional   $5,000,000 excess     Per occurrence. Each
Limits:      $5,000,000.           member, at their option,
                                   may purchase an additional $5,000,000. of
                                   coverage   in   excess  of   the  primary
                                   umbrella   policy   making  their   total
                                   umbrella limits  $10,000,000.

Deductibles: None, but Required    Coverage applies excess
             Underlying Limits     Underlying Limits or 
             or Retained Limit     $35,000 Retained Limit if
             applies               there is no Required
                                   Underlying Limit .

Description: The  program provides liability  limits for all  members of the
             groups  insured in excess of  what is provided  by the member's
             basic  homeowner's and automobile  policies. The Group Personal
             Umbrella  Program provides  additional limits  of coverage  for
             liability  arising out  of  member's homes,  rental  properties
             personal activities,  personal injury exposures  resulting from
             non-profit    directorship   and    officership,   automobiles,
             watercraft and recreational  vehicles. (Some items are  subject
             to specified limitations)

Exclusions:  Exclusions  include:  Intentionally caused  injuries, aircraft,
             some watercraft, damage caused by  cars or boats in prearranged
             races, providing  or failure to provide  professional services,
             business  activities,  transmission  of communicable  diseases,
             property damage to owned property. Refer to policy for complete
             list of exclusions. 

Basic Info X:

Name: GROUP PERSONAL UMBRELLA LIABILITY INSURANCE PROGRAM
Type: Group Personal Umbrella Liability Insurance Program
Date: March 31, 1997
Company: PACIFIC TELESIS GROUP
State: Nevada

Other info:

Organization:

  • Group Personal Umbrella Liability Insured
  • Board of Directors
  • Non-Officer Business Unit Heads 4
  • Required Underlying Limits of Automobile
  • Snowmobile , & UMUIM
  • Watercraft & Employers Liability
  • Group Personal Umbrella Program

Location:

  • Texas

Money:

  • $ 250,000 $ 500,000
  • $ 50,000
  • $ 300,000 $ 325,000
  • $ 100,000
  • $ 5,000,000
  • $ 10,000,000
  • $ 35,000