Amt Services Agreement Sample Contracts

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ITEM 24 (b) EXHIBITS
Amt Services 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.

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