0001398344-08-000465 Sample Contracts

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust • Delaware

This agreement is made as of this 1st day of May, 2007 by and among WILSHIRE VARIABLE INSURANCE TRUST, a Delaware Statutory Trust (the “Trust”), on its own behalf and on behalf of each of the series of portfolios set forth on Schedule A, as may be amended from time to time (each a “Fund” and collectively, the “Funds”), PFPC DISTRIBUTORS, INC., a Massachusetts corporation (“Distributor”), and ANNUITY INVESTORS LIFE INSURANCE COMPANY, a life insurance company organized under the laws of the state of Ohio (“Company”), on its own behalf and on behalf of each separate account of the Company set forth on Schedule B, as may be amended from time to time (each an “Account” and collectively the “Accounts”).

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AMENDMENT TO INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust

THIS AMENDMENT, dated as of _________, 2007, amends the Investment Sub-Advisory Agreement dated August 8, 2006 (the “Agreement”) by and between Wilshire Associates Incorporated (the “Adviser”) and Western Asset Management Limited, a registered investment adviser (the “Sub-Adviser”).

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust • Delaware

This agreement is made this day of , 2007 by and among WILSHIRE VARIABLE INSURANCE TRUST, a Delaware Statutory Trust (the “Trust”), on its own behalf and on behalf of each of the series of portfolios set forth on Schedule A, as may be amended from time to time (each a “Fund” and collectively, the “Funds”), “PFPC DISTRIBUTORS, INC., a Massachusetts corporation (“Distributor”), and GREAT AMERICAN INSURANCE COMPANY, a life insurance company organized under the laws of the state of (“Company”), on its own behalf and on behalf of each separate account of the Company set forth on Schedule B, as may be amended from time to time (“each an “Account” and collectively the “Accounts”).

AMENDMENT TO INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust

THIS AMENDMENT, dated as of ________, 2007, amends the Investment Sub-Advisory Agreement dated August 8, 2006 (the “Agreement”) by and between Wilshire Associates Incorporated (the “Adviser”) and New York Life Investment Management LLC, a registered investment adviser (the “Sub-Adviser”).

AMENDMENT TO INVESTMENT SUB-ADVISORY AGREEMENT
Investment Sub-Advisory Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust

THIS AMENDMENT, dated as of ________, 2007, amends the Investment Sub-Advisory Agreement dated August 8, 2006 (the “Agreement”) by and between Wilshire Associates Incorporated (the “Adviser”) and Copper Rock Capital Partners, LLC, a registered investment adviser (the “Sub-Adviser”).

EXPENSE LIMITATION AGREEMENT
Expense Limitation Agreement • November 26th, 2008 • Wilshire Variable Insurance Trust

EXPENSE LIMITATION AGREEMENT (the “Agreement”), effective as of May 1, 2007 by and between Wilshire Associates Incorporated, a California corporation (the “Advisor”) and Wilshire Variable Insurance Trust (the “Trust”), on behalf of the 2010 Aggressive Fund, 2010 Moderate Fund, 2010 Conservative Fund, 2015 Moderate Fund, 2025 Moderate Fund, 2035 Moderate Fund and 2045 Moderate Fund (each, a “Fund” and collectively, the “Funds”).

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