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                           FORM N-4, ITEM 24(b)(4.28)
  Addendum to the Certificate Issued to Participants in Group Annuity Contract
 (insert contract number here issued by American United Life Insurance Company
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    Unallocated Variable Registered Group Annuity 403(b) and 401(a) ADDENDUM
                                     TO THE
                                   CERTIFICATE
                            ISSUED TO PARTICIPANTS IN
                             GROUP ANNUITY CONTRACT
                  (insert Contract number here) (THE CONTRACT)
                                    ISSUED BY
                  AMERICAN UNITED LIFE INSURANCE COMPANY (AUL)
                                     TO THE
             (insert Contractholder name here) (THE CONTRACTHOLDER)


This  Addendum  is  effective  for Plan loans  originating  on or after  (insert
correct date here).

The Certificate is amended by adding the following provision:


Loan  Administration  Fee: On the last day of each Contract  Quarter,  we deduct
from your Account a Loan  Administration  Fee of up to $12.50 for each Plan loan
of yours that remains outstanding on such day.  Alternatively,  we may bill this
charge to the Contractholder if the Contractholder and we mutually agree. If the
entire  balance of your Account is applied or  withdrawn  before the last day of
the Contract  Quarter  pursuant to the  contract,  the Loan  Administration  Fee
attributable  to the period of time which has elapsed since the first day of the
Contract  Quarter in which such  application or withdrawal of funds is made will
not be deducted  from the amount  applied or withdrawn and will not be billed to
the Contractholder.


AMERICAN UNITED LIFE INSURANCE COMPANY(R)
By


/s/ Thomas M. Zurek
Secretary









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