ITEM 24 (b) EXHIBITS

ITEM 24 (b) EXHIBITS

8 (tt)

Letter Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company,

Xxxxxx Xxxxxxx Investment Management Inc. and Xxxxxx Xxxxxxx Investments LP

July 1, 2002

Xx. Xxxxx X. Xxxxxxxxx

Vice President

Annuity Investors Life Insurance Company

000 Xxxx Xxxxxx

Xxxxxxxxxx, XX 00000

Re: Administrative Services

Dear Xx. Xxxxxxxxx:

As you know, we have entered into a participation agreement (the "Participation Agreement") among The Universal Institutional Funds, Inc. (the "Fund," formerly Xxxxxx Xxxxxxx Universal Funds, Inc.), Xxxxxx Xxxxxxx Investment Management Inc. (formerly Xxxxxx Xxxxxxx Asset Management Inc.), Xxxxxx Xxxxxxx Investments LP (formerly Xxxxxx Xxxxxxxx & Xxxxxxxx, LLP) and Annuity Investors Life Insurance Company (the "Company"), dated May 1, 1997, as may be amended from time to time, providing for the purchase by the Company of shares of certain series of the Fund ("Portfolios") on behalf of its separate account(s) to fund the variable life and annuity contracts specified in the Participation Agreement ("Contracts").

As consideration for various fund-related administrative services that the Company will provide in connection with the issuance of the Contracts, we will pay to the Company, during the term of the Participation Agreement, an annual fee of: (i) 0.30% of the assets invested in the U.S. Real Estate Portfolio of the Fund, (ii) 0.25% of the assets invested in the Core Plus Fixed Income (formerly Fixed Income), Value and Mid Cap Value Portfolios of the Fund, and (iii) 0.20% of the assets invested in the Emerging Markets Equity Portfolio of the Fund under the Contracts identified in the Participation Agreement (excluding, in all cases, all assets invested during the guarantee (free-look) periods available under the Contracts). We acknowledge that the fund-related administrative services to be provided by the Company (such as shareholder communication, record keeping and postage expenses) are ones for which we, or our affiliates, as investment adviser and administrator to the Fund, would otherwise bear the cost directly.

Payment will be made on a quarterly basis during the month following the end of each calendar quarter. The fee will be calculated based on the average aggregate amount invested in the applicable Portfolio(s) under the Contracts over a calendar quarter (which shall be computed by totaling daily balances during the quarter and dividing such total by the actual days in the quarter).

Xx. Xxxxx X. Xxxxxxxxx

July 1, 2002

Page 2

This Letter supersedes the prior administrative services letter dated March 1, 2001.

If you agree to the foregoing, please sign the enclosed copies of this Letter and return them to Xxxxxxxx Xxxxx Yu at Xxxxxx Xxxxxxx Investment Management Inc., 0000 Xxxxxx xx xxx Xxxxxxxx, 00xx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000.

Sincerely,

Xxxxxx Xxxxxxx Investment Management Inc.

By: _________________________________

Name:

Title:

AGREED:

Annuity Investors Life Insurance Company

By: ________________________________

Name: Xxxxx X. Xxxxxxxxx

Title: Vice President