LOGO] NORTH AND LATIN October 14, 1999 AMERICAN REGION NEW YORK BRANCH VIA FACSIMILE Mr. John R. Lindholm President Integrity Life Insurance Company 515 West Market Street, 8th Floor Louisville, Kentucky 40202-3319 Re: SEPARATE ACCOUNT FUNDING...

[LOGO]                                                           NORTH AND LATIN
October 14, 1999                                                 AMERICAN REGION
                                                                 NEW YORK BRANCH

VIA FACSIMILE
Xx. Xxxx X. Xxxxxxxx
President
Integrity Life Insurance Company
000 Xxxx Xxxxxx Xxxxxx, 0xx Xxxxx
Xxxxxxxxxx, Xxxxxxxx 00000-0000

     Re:  SEPARATE ACCOUNT FUNDING AGREEMENT ISSUED BY INTEGRITY LIFE
          INSURANCE COMPANY ("INTEGRITY") TO BRAVO TRUST SERIES 1997-1

Dear Xx. Xxxxxxxx:

          By your countersignature hereunder, you agree that the terms of the
Termination Letter Agreement between the parties hereto, dated as of October 8,
1999 (the "Termination Letter Agreement"), shall be extended to 3:00 p.m. New
York City time on October 15, 1999.

                                           Sincerely,

                                           BAYERISCHE LANDESBANK
                                           GIROZENTRALE, ACTING
                                           THROUGH ITS NEW YORK
                                           BRANCH, AS TRUST'S AGENT

                                           By:
                                              --------------------------

                                           Title: 1st Vice President
                                                 -----------------------


                                           By:
                                              --------------------------

                                           Title: Sr. Vice President
                                                 -----------------------

READ AND AGREED:

INTEGRITY LIFE INSURANCE COMPANY

By:
   --------------------------

Title: Exec. V.P.
      -----------------------