0001170238-02-000019 Sample Contracts

ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, PIMCO Variable Insurance Trust, and PIMCO Funds Distributors LLC PARTICIPATION AGREEMENT Among ANNUITY INVESTORS LIFE INSURANCE COMPANY,...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • California

THIS AGREEMENT, made to be effective as of the 1st day of July, 2002, by and among Annuity Investors Life Insurance Company, (the "Company"), an Ohio life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each account hereinafter referred to as the "Account"), PIMCO Variable Insurance Trust (the "Fund"), a Delaware business trust, and PIMCO Funds Distributors LLC (the "Underwriter"), a Delaware limited liability company.

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ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, Oppenheimer Variable Account Funds and Oppenheimer Funds, Inc. PARTICIPATION AGREEMENT Among OPPENHEIMER VARIABLE ACCOUNT FUNDS,...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

THIS AGREEMENT (the "Agreement"), made to be effective as of the 1st day of July, 2002 by and among Annuity Investors Life Insurance Company (hereinafter the "Company"), on its own behalf and on behalf of each separate account of the Company named in Schedule 1 to this Agreement, as may be amended from time to time by mutual consent (hereinafter collectively the "Accounts"), Oppenheimer Variable Account Funds (hereinafter the "Fund") and OppenheimerFunds, Inc. (hereinafter the "Adviser").

ITEM 24 (b) EXHIBITS Fund Participation Agreement dated July 1, 2002, among Neuberger Berman Advisers Management Trust, Neuberger Berman Management Inc., and Annuity Investors Life Insurance Company FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

THIS AGREEMENT, made as of the 1st day of July, 2002, by and among NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST ("TRUST"), NEUBERGER BERMAN MANAGEMENT INC. ("NB MANAGEMENT"), a New York corporation, and ANNUITY INVESTORS LIFE INSURANCE COMPANY ("LIFE COMPANY"), a life insurance company organized under the laws of the State of Ohio.

ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, RYDEX Variable Trust, and Rydex Distributors, Inc. PARTICIPATION AGREEMENT
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Delaware

THIS AGREEMENT, made to be effective as of the 1st day of July, 2002 by and among Annuity Investors Life Insurance Company (hereinafter the "Company"), an Ohio life insurance company, on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account"), RYDEX VARIABLE TRUST (hereinafter the "Trust"), a Delaware business trust, and RYDEX DISTRIBUTORS, INC. (hereinafter the "Underwriter"), a Maryland corporation.

ITEM 24 (b) EXHIBITS
Annuity Investors Variable Account C • July 26th, 2002

We entered into the Agreement pursuant to which you provide administrative services ("Services") to customers who are the beneficial owners of shares of various investment companies (the "Funds") serviced by Strong Investor Services, Inc. ("Company") and distributed by Strong Investments, Inc. The Agreement and its corresponding Fee Letter dated April 25, 1997 (the "Fee Letter") specify the applicable Funds and the fees to be paid to you for the Services.

ITEM 24 (b) EXHIBITS Letter Agreement dated July 1, 2002, between Annuity Investors Life Insurance Company and Dreyfus Service Corporation
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

We at Annuity Investors Life Insurance Company ("Annuity Investors") wish to enter into an Agreement with Dreyfus Service Corporation ("Dreyfus"), to be effective as of the 1st day of July, 2002 with respect to our providing distribution, advertising and marketing assistance and shareholder services relating to the Service shares of each series of the management investment companies (each a "Fund") set forth on Schedule A hereto, as such Schedule may be revised from time to time. Dreyfus is the principal underwriter as defined in the Investment Company Act of 1940, as amended (the "Act"), and the exclusive agent for the continuous distribution of shares of the Funds pursuant to the terms of a Distribution Agreement between Dreyfus and the Fund.

ITEM 24 (b) EXHIBITS
Distribution Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Delaware

Annuity Investors Life Insurance Company, ("Insurer") and A I M DISTRIBUTORS, INC. ("Distributor") (collectively, the "Parties") mutually agree to the arrangements set forth in this Distribution Services Agreement (this "Agreement") made to be effective as of July 1, 2002.

ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

As you know, we have entered into a participation agreement (the "Participation Agreement") among The Universal Institutional Funds, Inc. (the "Fund," formerly Morgan Stanley Universal Funds, Inc.), Morgan Stanley Investment Management Inc. (formerly Morgan Stanley Asset Management Inc.), Morgan Stanley Investments LP (formerly Miller Anderson & Sherrerd, LLP) and Annuity Investors Life Insurance Company (the "Company"), dated May 1, 1997, as may be amended from time to time, providing for the purchase by the Company of shares of certain series of the Fund ("Portfolios") on behalf of its separate account(s) to fund the variable life and annuity contracts specified in the Participation Agreement ("Contracts").

ITEM 24 (b) EXHIBITS
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

The Participation Agreement (the "Agreement"), dated April 4, 2001, by and among AIM Variable Insurance Funds, a Delaware trust, A I M Distributors, Inc., a Delaware corporation, Annuity Investors Life Insurance Company, an Ohio life insurance company, and Great American Advisors, Inc., is hereby amended as follows:

ITEM 24 (b) EXHIBITS Investor Services Agreement dated July 1, 2002, between RYDEX Distributors, Inc., and Annuity Investors Life Insurance Company FORM OF THIRD PARTY INVESTOR SERVICES AGREEMENT RYDEX VARIABLE TRUST
Investor Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Maryland

THIS INVESTOR SERVICES AGREEMENT is made to be effective as of the 1st day of July, 2002 by Rydex Distributors, Inc. ("RDI"), a Maryland corporation, and Annuity Investors Life Insurance Company (the "Servicer"), an Ohio corporation (the "Agreement").

ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This letter sets forth the terms and conditions of the services agreement between Neuberger Berman Management Inc. ("NBMI") and Annuity Investors Life Insurance Company (the "Company"), effective as of the 1st day of July, 2002.

ITEM 24 (b) EXHIBITS Amendment Number 2 dated as of July 1, 2002 to Fund Participation Agreement dated May 1, 1997, among the PBHG Insurance Series Fund, Pilgrim Baxter & Associates, Inc., and Annuity Investors Life Insurance Company AMENDMENT NO. 2...
Fund Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This AMENDMENT NO. 2 to the Fund Participation Agreement ("Agreement") is made to be effective as of the 1st day of July, 2002, by and among the PBHG INSURANCE SERIES FUND ("Trust"), a Delaware business trust, PILGRIM, BAXTER & ASSOCIATES, LTD. ("Adviser"), a Delaware Corporation, and ANNUITY INVESTORS LIFE INSURANCE COMPANY ("Life Company"), a life insurance company organized under the laws of the State of Ohio.

ITEM 24 (b) EXHIBITS Amendment dated July 1, 2002, to Fund Participation Agreement (Service Shares) dated March 1, 2001, between Janus Aspen Series and Annuity Investors Life Insurance Company AMENDMENT TO FUND PARTICIPATION AGREEMENT (Service Shares)
Fund Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This Amendment to the Fund Participation Agreement ("Agreement") dated March 1, 2001, between Janus Aspen Series, an open-end management investment company organized as a Delaware business trust (the "Trust"), and Annuity Investors Life Insurance Company, an Ohio life insurance company (the "Company") is effective as of July 1, 2002.

ITEM 24 (b) EXHIBITS
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

NOW THEREFORE, the parties do hereby agree that the sixth recital of the Agreement (appearing as the first full paragraph of page two) is amended by substituting the words "Schedule A" for the words "Schedule B."

ITEM 24 (b) EXHIBITS
Distribution and Shareholder Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Wisconsin

This Agreement is made to be effective as of July 1, 2002, by and between Strong Investments, Inc. (formerly Strong Funds Distributors, Inc.) (the "Distributor"), a Wisconsin corporation, and Annuity Investors Life Insurance Company ("Servicer").

ITEM 24 (b) EXHIBITS
Fund Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C
FITEM 24 (b) EXHIBITS Services Agreement dated July 1, 2002, between Pacific Investment Management Company LLC and Annuity Investors Life Insurance Company SERVICES AGREEMENT
Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C

The terms and conditions of this Services Agreement between Pacific Investment Management Company LLC ("PIMCO") and Annuity Investors Life Insurance Company (the "Company") are effective as of July 1, 2002.

ITEM 24 (b) EXHIBITS
Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C • California

This Agreement is made to be effective as of July 1, 2002 between PIMCO Variable Insurance Trust (the "Trust") and Annuity Investors Life Insurance Company ("Authorized Firm"), an Ohio life insurance company.

AMENDMENT #3 TO PARTICIPATION AGREEMENT AMONG ANNUITY INVESTORS LIFE INSURANCE COMPANY INVESCO Variable Investment Funds, Inc., AND INVESCO Funds Group, Inc., WHEREAS, Annuity Investors Life Insurance Company and INVESCO Variable Investment Funds,...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

NOW THEREFORE, the parties do hereby agree that the sixth recital of the Agreement (appearing as the first full paragraph of page two) is amended by substituting the words "Schedule A" for the words "Schedule B."

ITEM 24 (b) EXHIBITS Form of Selling Agreement Between Annuity Investors Life Insurance Company, Great American Advisors, Inc. and another Broker-Dealer SELLING AGREEMENT
Selling Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Ohio

AGREEMENT made this _____ day of _________________, in the year of 2002, by and between ANNUITY INVESTORS LIFE INSURANCE COMPANY, an Ohio life insurance company ("AILIC"), GREAT AMERICAN ADVISORS, INC., an Ohio corporation ("GAA") and _________________ , a _____________________________ corporation ("Broker/Dealer") and any and all insurance agency affiliates or subsidiaries of Broker/Dealer ("Agencies"). Broker/Dealer and the Agencies are hereinafter referred to as the "Producers." The Agencies are listed in Appendix I to this Agreement, as may be amended from time to time.

ITEM 24 (b) EXHIBITS Amendment dated July 1, 2002, to Participation Agreement dated May 1, 1997, among Annuity Investors Life Insurance Company, Morgan Stanley Universal Funds, Inc. (n/k/a Morgan Stanley Investment Management Inc.), and Miller...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This AMENDMENT TO PARTICIPATION AGREEMENT (the "Amendment") is made and entered into as of this 1st day of July, 2002, by and among ANNUITY INVESTORS LIFE INSURANCE COMPANY (the "Company"), on its own behalf and on behalf of each separate account of the Company identified in the Participation Agreement (as defined below), THE UNIVERSAL INSTITUTIONAL FUNDS, INC. (formerly, Morgan Stanley Universal Funds, Inc.) (the "Fund") and MORGAN STANLEY INVESTMENT MANAGEMENT INC. (formerly, Morgan Stanley Asset Management Inc.) (the "Adviser").

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ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This Agreement will be effective as of July 1, 2002. Payment will be made to AILIC quarterly during the term this Agreement is in effect, no later than thirty days following the end of the quarter starting with the quarter ending September 30, 2002. Payments shall be computed and paid as set forth in Schedule C hereto.

ITEM 24 (b) EXHIBITS
Distribution Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Ohio

AGREEMENT dated as of December 1, 1995, by and between ANNUITY INVESTORS LIFE INSURANCE COMPANY ("AILIC"), an Ohio insurance company, and AAG SECURITIES, INC. ("AAGS"), an Ohio corporation.

ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

This Amendment to the April 24th, 1997 Amended and Restated Agreement by and among The Dreyfus Corporation ("Dreyfus") and Annuity Investors Life Insurance Company ("Client") (the "Agreement"), made to be effective as of the 1st day of July, 2002, hereby amends the Agreement in the following manner:

ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

The purpose of this letter is to confirm certain financial arrangements between Pilgrim Baxter & Associates, Ltd. ("Pilgrim Baxter"), the investment adviser to the PBHG Insurance Series Fund (the "Trust"), Great American Life Insurance Company of New York ("GALIC of NY") and Annuity Investors Life Insurance Company ("Annuity Investors") in connection with GALIC of NY's and Annuity Investors' purchase of shares of certain series of the Trust (the "Series") on behalf of certain of its separate accounts (the "Separate Accounts") to fund variable life and annuity contracts issued by GALIC of NY and Annuity Investors.

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