0001061128-18-000045 Sample Contracts

AMENDED AND RESTATED INVESTMENT CONSULTANT AGREEMENT
Investment Consultant Agreement • April 27th, 2018 • American Fidelity Separate Account B • Oklahoma

This Amended and Restated Investment Consultant Agreement (this "Agreement") is made this 30th day of October, 2017, but effective as of October 1, 2017 (the "Effective Date"), between AMERICAN FIDELITY ASSURANCE COMPANY (the "Company") and INVESTRUST CONSULTING, LLC ("Consultant"). This agreement relates to American Fidelity Separate Account A, American Fidelity Separate Account B and American Fidelity Separate Account C (together, the "Separate Accounts").

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FIRST AMENDMENT TO AMENDED AND RESTATED PRINCIPAL UNDERWRITER'S AGREEMENT (SEPARATE ACCOUNT B)
Principal Underwriter's Agreement • April 27th, 2018 • American Fidelity Separate Account B

THIS FIRST AMENDMENT TO AMENDED AND RESTATED PRINCIPAL UNDERWRITER'S AGREEMENT (this "Amendment") is entered into by and between AMERICAN FIDELITY SECURITIES, INC., ("AFSI") and AMERICAN FIDELITY ASSURANCE COMPANY, on behalf of American Fidelity Separate Account B ("AFA"), to amend that certain Amended and Restated Principal Underwriter's Agreement dated June 10, 2006, between AFSI and AFA (the "Agreement"). Capitalized terms not defined herein shall have the meanings assigned to such terms in the Agreement. In the event of any inconsistency between the Agreement and this Amendment, the language of this Amendment shall control.

AMENDMANT TO FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • April 27th, 2018 • American Fidelity Separate Account B

The Fund Participation Agreement dated as of May 13, 1997, as amended (the "Agreement"), among American Fidelity Assurance Company, and each of Dreyfus Variable Investment fund, Dreyfus Investment Portfolios, Dreyfus Stock Index Fund, Inc. (formerly known as "The Dreyfus Life and Annuity Index Fund, Inc.[d/b/a Dreyfus Stock Index Fund]"), and The Dreyfus Sustainable U.S. Equity Portfolio, Inc. (formerly known as "The Dreyfus Socially Responsible Growth Fund, Inc. (the "Participating Funds") is hereby amended, as follows:

AMENDMENT TO AGREEMENT
Agreement • April 27th, 2018 • American Fidelity Separate Account B

The Agreement dated May 13, 1997, as amended (the "Agreement"), among The Dreyfus Corporation and each of American Fidelity Assurance Company, and American Fidelity Securities, Inc. is hereby amended as follows:

THIRD AMENDMENT TO AMENDED AND RESTATED PRINCIPAL UNDERWRITER' S AGREEMENT (SEPARATE ACCOUNT B)
Principal Underwriter's Agreement • April 27th, 2018 • American Fidelity Separate Account B

THIS THIRD AMENDMENT TO AMENDED AND RESTATED PRINCIPAL UNDERWRITER'S AGREEMENT (this "Amendment") is entered into by and between AMERICAN FIDELITY SECURITIES, INC. ("AFS"), and AMERICAN FIDELITY ASSURANCE COMPANY, on behalf of American Fidelity Separate Account B ("AFA"), to amend that certain Amended and Restated Principal Underwriter's Agreement dated June 10, 2006, as amended June 10, 2009, and April 20, 2012, between AFS and AFA (the "Agreement"). Capitalized terms not defined herein shall have the meanings assigned to such terms in the Agreement. In the event of any inconsistency between the Agreement and this Amendment, the language of this Amendment shall control.

PARTICIPATION AND SERVICE AGREEMENT
Fund Participation and Service Agreement • April 27th, 2018 • American Fidelity Separate Account B

This Amendment No. 1 to Fund Participation and Service Agreement (this "Amendment"), dated as of November 14, 2017, is by and between American Fidelity Assurance Company, an Oklahoma corporation (the "Insurance Company"), for itself and on behalf of the Separate Accounts (as defined herein), American Funds Distributors, Inc. ("AFD"), American Funds Service Company ("Transfer Agent"), Capital Research and Management Company ("CRMC"), and the American Funds Insurance Series (the "Series"), an open-end investment company for which AFD, CRMC and Transfer Agent provide services and which is divided into funds (hereinafter collectively called the "Funds" and, each individually, a "Fund"; the Insurance Company, AFD, Transfer Agent, CRMC, Series may be referred to herein as the "Parties").

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