0000891804-06-001316 Sample Contracts

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FUND PARTICIPATION AGREEMENT TIAA-CREF LIFE INSURANCE COMPANY WANGER ADVISORS TRUST COLUMBIA WANGER ASSET MANAGEMENT, LLP
Fund Participation Agreement • April 20th, 2006 • Wanger Advisors Trust • Massachusetts
WITNESSETH:
Master Custodian Agreement • April 20th, 2006 • Wanger Advisors Trust • Massachusetts
BELL, BOYD & LLOYD LLC -------------------------------------------------------- ------------------------ 70 West Madison Street, Suite 3100 o Chicago, Illinois 60602-4207 312.372.1121 o Fax 312.827.8000 April 20, 2006
Consent Agreement • April 20th, 2006 • Wanger Advisors Trust

As counsel for Wanger Advisors Trust (the "Registrant"), we consent to the incorporation by reference of our opinion for the Registrant's series designated Wanger U.S. Smaller Companies (formerly named Wanger U.S. Small Cap) and Wanger International Small Cap dated April 27, 1998, filed with the Registrant's registration statement on Form N-1A on April 29, 1998, and our opinion for the Registrant's series designated Wanger Select (formerly named Wanger Twenty) and Wanger International Select (formerly named Wanger Foreign Forty) dated September 30, 1998, filed with the Registrant's registration statement on Form N-1A on September 30, 1998 (Securities Act file no. 33-83548).

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