0000912057-00-019774 Sample Contracts

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Participation Agreement • April 26th, 2000 • Group Vel Account of Allmerica Financial Life Ins & Ann Co • New York
February 8, 2000 Mr. Richard M. Reilly President Allmerica Financial Life Insurance and Annuity Company 440 Lincoln Street Worcester, Massachusetts 01653 Re: AMENDED SCHEDULE B TO PARTICIPATION AGREEMENT ---------------------------------------------...
Group Vel Account of Allmerica Financial Life Ins & Ann Co • April 26th, 2000

This letter sets forth our understanding and acceptance of the enclosed amended Schedule B to the Participation Agreement, dated November 15, 1997 (the "Participation Agreement"), among Morgan Stanley Dean Witter Universal Funds, Inc. (the "Fund," formerly Morgan Stanley Universal Funds, Inc.), Morgan Stanley Dean Witter Investment Management Inc. (formerly Morgan Stanley Asset Management Inc.), Miller Anderson & Sherrerd, LLP and Allmerica Financial Life Insurance and Annuity Company (the "Company"), which has been amended at your direction to reflect the addition of the Technology Portfolio of the Fund, effective immediately.

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