0000826647-02-000015 Sample Contracts

SERVICE AGREEMENT
Service Agreement • December 31st, 2002 • American Benefit Variable Annuity Account • New York

THIS SERVICE AGREEMENT, made this 2nd day of January 1998 by and between American Benefit Life Insurance Company (hereinafter called the "Company") and American Republic Insurance Company (hereinafter called the "Service Agent"),

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Novation and Amendment to Service Agreement
Service Agreement • December 31st, 2002 • American Benefit Variable Annuity Account

WHEREAS, on January 9, 1998, a Service Agreement (the "Agreement") was entered into by and between Keyport Benefit Life Insurance Company ("Keyport Benefit") (then known as American Benefit Life Insurance Company), on its own behalf, and American Republic Insurance Company ("American Republic"), on its own behalf, whereby American Republic provides certain administrative and recordkeeping services to Keyport Benefit. A copy of the Agreement is attached hereto and made a part hereof. The Agreement, by its terms, provides for amendment upon the mutual written consent of both parties; and

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