Annuity Investors Variable Account B Sample Contracts

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BILLING CONTACT: -------------------------------------------------------------- Telephone Number ( ) Fax Number ( ) ------------------------ ------------------------------------ MAIL BILLING STATEMENT TO (IF OTHER THAN THIRD PARTY ADMINISTRATOR (IF...
Annuity Investors Variable Account B • May 6th, 1998

IT IS FURTHER UNDERSTOOD THAT PAYMENTS AND VALUES PROVIDED UNDER EACH CERTIFICATE, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.

Participation Agreement as of May 1, 2007 Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc. Annuity Investors Life Insurance Company Great American Advisors, Inc. CONTENTS
Participation Agreement • May 22nd, 2007 • Annuity Investors Variable Account B • California

The Commodore Spirit Individual Flexible Premium Deferred Variable Annuity The Commodore Spirit Group Flexible Premium Deferred Variable Annuity The Commodore Independence Individual Flexible Premium Deferred Variable Annuity The Commodore Independence Group Flexible Premium Deferred Variable Annuity The Commodore Advantage Individual Flexible Premium Deferred Variable Annuity

BILLING CONTACT: -------------------------------------------------------------- Telephone Number ( ) Fax Number ( ) ------------------------ ------------------------------------ MAIL BILLING STATEMENT TO (IF OTHER THAN THIRD PARTY ADMINISTRATOR (IF...
Annuity Investors Variable Account B • April 29th, 1998

IT IS FURTHER UNDERSTOOD THAT PAYMENTS AND VALUES PROVIDED UNDER EACH CERTIFICATE, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.

PARTICIPATION AGREEMENT
Participation Agreement • May 1st, 2006 • Annuity Investors Variable Account B • Delaware

THIS AGREEMENT made and entered into this 21 day of DECEMBER 2005 by and between WELLS FARGO VARIABLE TRUST, a statutory trust formed under the laws of Delaware (the “Trust”). WELLS FARGO FUNDS DISTRIBUTOR, LLC, a Delaware limited liability company (the “Distributor”), and ANNUNITY INVESTORS LIFE INSURANCE COMPANY, an Ohio life insurance company (the “Company”), on its own behalf and on behalf of each separate account of the Company identified herein and Great American Advisors, Inc. (the “Insurance Underwriter”), a broker-dealer affiliated with the Company.

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • May 22nd, 2007 • Annuity Investors Variable Account B • 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”).

PARTICIPATION AGREEMENT Among DAVIS VARIABLE ACCOUNT FUND, INC. DAVIS DISTRIBUTORS, LLC. and ANNUITY INVESTORS LIFE INSURANCE COMPANY
Participation Agreement • May 22nd, 2007 • Annuity Investors Variable Account B • Maryland

THIS AGREEMENT, made and entered into this 25 day of April , 2006, by and among ANNUITY INVESTORS LIFE INSURANCE COMPANY (hereinafter the “Insurance Company”), an Ohio corporation, on its own behalf and on behalf of each segregated asset account of the Insurance Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the “Account”), DAVIS VARIABLE ACCOUNT FUND, INC., a Maryland Corporation (the “Company”) and Davis Distributors, LLC., a Delaware Limited Liability Company (“Davis Distributors”).

Among
Participation Agreement • June 3rd, 1997 • Annuity Investors Variable Account B • Colorado
ADMINISTRATIVE SERVICES AGREEMENT BETWEEN MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY GREAT AMERICAN LIFE INSURANCE COMPANY, ANNUITY INVESTORS LIFE INSURANCE COMPANY AND MANHATTAN NATIONAL LIFE INSURANCE COMPANY
Administrative Services Agreement • February 1st, 2022 • Annuity Investors Variable Account B • Massachusetts

THIS ADMINISTRATIVE SERVICES AGREEMENT (“Agreement”) is entered into as of the 28th day of May, 2021, by and among Massachusetts Mutual Life Insurance Company (“MassMutual”), a mutual life insurance company organized and existing under the laws of The Commonwealth of Massachusetts, having a principal place of business at 1295 State Street, Springfield, Massachusetts, Great American Life Insurance Company (“GALIC”), an Ohio domiciled life insurance company, having a principal place of business at 301 East Fourth Street, Cincinnati, Ohio, Annuity Investors Life Insurance Company, an Ohio domiciled life insurance company, having a principal place of business at 301 East Fourth Street, Cincinnati, Ohio (“AILIC”) and Manhattan National Life Insurance Company, an Ohio domiciled life insurance company, having a principal place of business at 301 East Fourth Street, Cincinnati, Ohio (“MNLIC”). GALIC, AILIC and MNLIC are individually referred to herein as a “Company” and collectively as the “Co

Home Office: Cincinnati, Ohio Fixed Administrative Office: P.O. Box 5420, Cincinnati, Ohio 45201-5420 Variable Administrative Office: P.O. Box 5423, Cincinnati, Ohio 45201-5423 GOVERNMENTAL SECTION 457 PLAN ENDORSEMENT
Annuity Investors Variable Account B • April 25th, 2012

The annuity contract is changed as set out below to add provisions for a governmental Section 457 plan. This endorsement and the annuity contract to which it is attached are not valid without additional endorsement(s) defining the Plan and Plan Administrator.

AMENDMENT NO. 1 TO ADMINISTRATIVE SERVICES AGREEMENT BETWEEN MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY GREAT AMERICAN LIFE INSURANCE COMPANY, ANNUITY INVESTORS LIFE INSURANCE COMPANY AND MANHATTAN NATIONAL LIFE INSURANCE COMPANY
Administrative Services Agreement • February 1st, 2022 • Annuity Investors Variable Account B • Massachusetts

THIS AMENDMENT NO. 1 (“Amendment”) to the Administrative Services Agreement by and among Massachusetts Mutual Life Insurance Company (“MassMutual”), Great American Life Insurance Company, Annuity Investors Life Insurance Company and Manhattan National Life Insurance Company (collectively, the “Companies”) is made and entered into as of this 5th day of August, 2021.

Home Office: Cincinnati, Ohio Fixed Administrative Office: P.O. Box 5420, Cincinnati, Ohio 45201-5420 Variable Administrative Office: P.O. Box 5423, Cincinnati, Ohio 45201-5423 GOVERNMENTAL SECTION 457 PLAN ENDORSEMENT
Annuity Investors Variable Account B • April 25th, 2012

The annuity contract is changed as set out below to add provisions for a governmental Section 457 plan. This endorsement and the annuity contract to which it is attached are not valid without additional endorsement(s) defining the Plan and Plan Administrator.

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EXHIBIT 8(q) [ON ANNUITY INVESTORS LETTERHEAD] June __, 1997 James F. Lummanick Vice President/Assistant General Counsel INVESCO Funds Group, Inc. 7800 East Union Avenue Denver, Colorado 80237 RE: INVESCO Variable Investment Funds, Inc. -...
Annuity Investors Variable Account B • May 6th, 1998

This purpose of this letter is to confirm certain financial arrangements between INVESCO Funds Group, Inc. ("INVESCO"), the distributor for the INVESCO Variable Investment Funds, Inc. (the "Company"), and Annuity Investors Life Insurance Company ("Annuity") in connection with Annuity's investment in the Company through three of its portfolios, INVESCO VIF-Industrial Income Portfolio, INVESCO VIF-Total Return Portfolio and INVESCO VIF-High Yield Portfolio (individually, a "Portfolio", collectively, the "Portfolios").

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • May 22nd, 2007 • Annuity Investors Variable Account B • Colorado

THIS AGREEMENT, made and entered into as of this 1st day of May, 2007 (the “Agreement”) by and among Annuity Investors Life Insurance Company organized under the laws of the State of Ohio (the “Company”), on behalf of itself and each separate account of the Company named in Schedule A to this Agreement, as may be amended from time to time (each account referred to as the “Account” and collectively as the “Accounts”); Financial Investors Variable Insurance Trust, an open-end management investment company organized under the laws of the State of Delaware (the “Fund”); ALPS Advisers, Inc., a corporation organized under the laws of the State of Colorado and investment adviser to the Fund (the “Adviser”); and ALPS Distributors, Inc., a corporation organized under the laws of the State of Colorado and principal underwriter/distributor of the Fund (the “Distributor”).

AMENDMENT TO FUND PARTICIPATION AGREEMENT (Institutional Shares)
Fund Participation Agreement • August 28th, 2020 • Annuity Investors Variable Account B

This Amendment to the Fund Participation Agreement (“Agreement”) dated September 1, 1995, 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 May 1, 2004.

ENDORSEMENT
Annuity Investors Variable Account B • November 17th, 1998
SELLING AGREEMENT
Selling Agreement • November 21st, 2001 • Annuity Investors Variable Account B • Ohio

AGREEMENT made this _____ day of _________________, in the year of _____, 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.

AMENDMENT
Annuity Investors Variable Account B • May 1st, 2006

THIS AMENDMENT (“Amendment”) effective as of January 12, 2006 is made and entered into by and among Annuity Investors Life Insurance Company (“Company”), The Timothy Plan Variable Series (“Fund”) and Timothy Partners, Ltd. (“Advisor” and “Distributor”) and is intended to form a part of that certain Participation Agreement (“Agreement”) effective as of May 1, 1998 to which it is attached.

THIRD AMENDMENT TO FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • May 22nd, 2007 • Annuity Investors Variable Account B

The Fund Participation Agreement dated November 21, 1995, as amended July 1, 2002 and December 1, 2004 by and among ANNUITY INVESTORS LIFE INSURANCE COMPANY and DREYFUS VARIABLE INVESTMENT FUND is hereby amended as follows:

Home Office: Cincinnati, Ohio Variable Administrative Office: P.O. Box 5423, Cincinnati, Ohio 45201-5423 Group Flexible Premium Deferred Variable Annuity Contract
Annuity Investors Variable Account B • May 1st, 2007

We have issued this Group Flexible Premium Deferred Variable Annuity Contract (the “Contract”) in consideration of the payment of Purchase Payments, and of any application and/or participation enrollment forms. The Contract Owner is set out on the Contract Specifications page. It is effective as of the Contract Effective Date, which is set out on Contract Specifications page. It is subject to all of the terms and conditions that are set out on the following pages.

AMENDMENT TO FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • August 28th, 2020 • Annuity Investors Variable Account B

The Fund Participation Agreement dated the November 21, 1995, as amended July 1, 2002, by and among ANNUITY INVESTORS LIFE INSURANCE COMPANY and DREYFUS VARIABLE INVESTMENT FUND is hereby amended as follows:

Amendment to Fund Participation Agreement
Fund Participation Agreement • April 27th, 2018 • Annuity Investors Variable Account B

This Amendment to Fund Participation Agreement (the “Amendment”) is dated June 14, 2017, and is entered into by and among Annuity Investors Life Insurance Company, an Ohio insurance company (the “Company”), ALPS Variable Investment Trust, a Delaware Statutory Trust (the “Trust” or the “Fund,” and each series of the Trust, as applicable, a “Portfolio” and collectively, the “Portfolios”), ALPS Advisors, Inc. a Colorado corporation, (“AAI”), and ALPS Portfolio Solutions Distributor, Inc. (“APSD”), a Colorado corporation.

AMENDED FEE AGREEMENT American Investors Life Insurance Company and Timothy Partners, Ltd.
Fee Agreement • August 28th, 2020 • Annuity Investors Variable Account B

Pursuant to the Fund Participation Agreement (the “Participation Agreement”) dated the 1st day of May, 1998, as amended, by and among the Timothy Plan (the “Trust”), Timothy Partners, Ltd. (the “Distributor”) and American Investors Life Insurance Company (the “Company”), the Company will provide certain administrative services on behalf of the portfolios (the “Funds”) specified on “Exhibit A” attached hereto.

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