--------------------------------------------------------------------------------
                           FORM N-4, ITEM 24(b)(4.36)
         Guaranteed Benefit Employer-Sponsored TDA
 Multiple-Fund Group Variable Annuity with Stable Value Account Contract
--------------------------------------------------------------------------------




AMERICAN UNITED LIFE INSURANCE COMPANY" a ONEAMERICA" company


ONEAMERICA

CONTRACT NUMBER: CONTRACTHOLDER:

[G XX,XXX ABC COMPANY

DATE OF ISSUE: CONTRACT DATE:

JANUARY 02, XXXX JANUARY 01, XXXX

FIRST CONTRACT ANNIVERSARY:

JANUARY 01, XXXX]

American United Life Insurance Company (AUL) issues this contract in
consideration of the Contractholder's application and its payment of
Contributions to AUL. When used in this contract, "we," "us," or "our" refer to
AUL and "you" or "your" refer to the Contractholder.

All provisions and conditions stated on this and subsequent pages are part of
this contract.

This contract is signed for us at our Home Office in Indianapolis, Indiana. Our
mailing address is P.O. Box 368, Indianapolis, Indiana 46206-0368. Our street
address is One American Square, Indianapolis, Indiana 46282.

NOTICE OF TEN DAY RIGHT TO EXAMINE CONTRACT

Please read this contract carefully . You may return the contract for any reason
within ten days after receiving it. If returned, the contract is void from the
beginning and any Contributions will be refunded.

AMERICAN UNITED LIFE INSURANCE COMPANY By

~ lJ (h~ [President and Chief Executive Officer] Attest

[Secretary]

~

AUL American Series Guaranteed Benefit Employer-Sponsored TDA Multiple-Fund
Group Variable Annuity with Stable Value Account [(SBR)] Current Interest
Credited Nonparticipating

ACCUMULATION UNITS IN AN INVESTMENT ACCOUNT UNDER THIS CONTRACT MAY INCREASE OR
DECREASE IN VALUE ACCORDING TO THE INVESTMENT PERFORMANCE OF THE UNDERL YING
INVESTMENTS HELD BY THE INVESTMENT ACCOUNT. THE VALUE OF SUCH ASSETS AND
ACCUMULATION UNITS IS NOT GUARANTEED. SECTION 4 OF THIS CONTRACT EXPLAINS THE
VALUATION OF SUCH ASSETS AND ACCUMULATION UNITS.

If you have questions concerning your contract, or wish to register a complaint,
you may reach us by calling [1-800-261-9618].

GBERTDA-K(SV A)

(SBR)



TABLE OF CONTENTS

SECTION 1 - DEFINITIONS

[3]

SECTION 2 - ADMINISTRATION OF PARTICIPANT ACCOUNTS

[7]

2.1----- How Contributions Are Handled
2.2----- Transfers from Other Retirement Programs
2.3----- Reallocation of Participant Accounts
2.4----- Excess Contributions
2.5----- Transfers from Other Contracts

SECTION 3 - OPERATION OF THE STABLE VALUE ACCOUNT (SV A)

[9]

3.1----- Allocations to Participant Accounts
3.2----- Provision of a Guaranteed Rate for the SV A
 3.3----- Minimum Rate Guarantee
3.4----- Limitation on Contributions and Transfers to the SV A

SECTION 4 - VALUATION OF INVESTMENT ACCOUNTS

[10]

4.1----- Operation of Investment Accounts
4.2----- Valuation of Mutual Funds and Other Entities
4.3----- Accumulation Units
4.4----- Value of Accumulation Units
4.5----- Valuing Participant Accounts

SECTION 5 - BENEFIT PAYMENTS AND TRANSFERS

[11]

5.1----- General Withdrawal Provisions
5.2----- Plan Benefit Payments
5.3----- Required Minimum Distributions
5.4----- Code 403(b) Rollovers
5.5----- Distributions on Plan Termination
5.6----- Transfers Between Investment Options
5.7----- Transfers to and from the SV A

SECTION 6 - ANNUITIES

[19]

6.1----- Annuity Purchases
6.2----- Annuity Options
6.3----- Determining Annuity Amount
6.4----- Proof of Age and Survival; Minimum Payments
6.5----- Annuity Certificates

SECTION 7 - OTHER CONTRACT CHARGES

[21]

7.1----- Investment Option Charge (IOC)
7.2----- Taxes
7.3----- Reduction or Waiver of Charges
7.4----- Other Charges

GBERTDA-K(SVA)

(SBR)



7.5----- Variable Investment Plus (VIP) Credit Factor

SECTION 8 - CONTRACT MODIFICATIONS

[23]

8.1----- Contract Amendment
 8.2----- Rates and 7 Charges
8.3----- Conformance with Law
8.4----- Addition, Deletion, or Substitution ofInvestments
8.5----- Our Right to Initiate Changes
8.6----- Prohibited Amendments

SECTION 9 - TERMINATION OF CONTRACT

[25]


9.1----- Termination by You
9.2----- Payment Upon Termination by You
9.3----- Termination by Us
9.4----- Payment Upon Termination by Us
9.5----- Indemnification Required
9.6----- Effect on Contract Obligations

SECTION 10 - GENERAL PROVISIONS

[27]

10.1----- Ownership
10.2----- Entire Contract
10.3----- Benefit Determinations
10.4----- Recordkeeping Services
10.5----- Representations and Warranties
10.6----- Contractholder Representative; Misstatement of Data
10.7----- Form of Request, Notice, Instruction, or Direction
10.8----- Quarterly Statement of Account Value
10.9---- Conformity with Law
10.10---- Gender and Number
10.11---- Facility of Payment
10.12---- Voting
10.13---- Acceptance of New Participants or Contributions
10.14---- Our Annual Statement
10.15---- Nonforfeitability and Nontransferability
10.16---- Notice of Annual Meeting of Members

TABLE OF CONTRACT CHARGES

[30]

TABLE OF GUARANTEED IMMEDIATE ANNUITIES

[31]

TABLE OF INVESTMENT ACCOUNTS

[32]

GBERTDA-K(SV A)

(SBR)

2



SECTION I - DEFINITIONS

1.1

"Account Value" for a Participant Account or a Contractholder-level account as
of a date is:

(a)

that account's balance in the Stable Value Account (SVA) on that date; plus

(b)

the value of that account's Accumulation Units in each Investment Account on
that date.

1.2

"Accumulation Unit" is a valuation device used to measure increases in and
decreases to the value of any Investment Account.

1.3

"Annuity Commencement Date" is the first day of the month an annuity begins
under this contract. This date may not be later than the date a Participant's
periodic benefits are required to commence under the Code.

1.4

"Business Day" is any day both the New York Stock Exchange and our Home Office
are open for the general conduct of business.

1.5

"Code" means the Internal Revenue Code of 1986, as amended, and any applicable
regulations or rulings thereunder.

1.6

The "First Contract Anniversary" is listed on the contract face page. Subsequent
"Contract Anniversaries" are on the same day of each subsequent year.

1.7

"Contract Quarter" is each of the four successive three-month periods in a
Contract Year.

1.8

The first "Contract Year" starts on the Contract Date and ends on the day before
the First Contract Anniversary. Each subsequent Contract Year starts on a
Contract Anniversary and ends on the day before the next Contract Anniversary.

1.9

"Contributions" are amounts that can be allocated to Participant Accounts
according to your instructions and that have been paid to us or transferred to
this contract from a prior AUL group annuity contract or a prior funding medium,
pursuant to a Plan or Plans established by the Plan Sponsor that meet the
requirements of Code 403(b). Such transferred amounts may be listed under
categories other than "Contributions" on annual and quarterly reporting. [Code
403(b) Contributions may not exceed applicable Code 402(g), 403(b), 414(v), and
415 limits. The term "Contributions" does not include amounts that were the
subject of an eligible rollover distribution from another plan to the Code
403(b) Plan.]

1.10

"Contribution-Source" means each type of Contribution allowed under the Plan,
including the following types of Code 403(b) Contributions:

(a)

"Elective Deferrals," which means, with respect to any taxable year, any
Contribution made under a salary reduction agreement. A Contribution made under
a salary reduction agreement is not treated as an Elective Deferral if, under
the salary reduction agreement, such Contribution is made pursuant to a one-time
irrevocable election made by the Participant at the time of initial eligibility
to participate in the agreement, or is made pursuant to a similar arrangement
involving a one-time irrevocable election specified in Regulations issued under
the Code.

(b)

"Employee Mandatory Contributions," which means Contributions made under a
salary reduction agreement pursuant to a one-time irrevocable election made by
the Participant at the time of initial eligibility to participate in the
agreement, or made pursuant to a similar arrangement involving a one-time
irrevocable election specified in Regulations issued under

GBERTDA-K(SV A)

(SBR)

3



1.11

1.12

the Code.

(c)

"Employer Contributions," which means Contributions made by the Participant's
employer that are not made pursuant to (a) or (b) above.

"Excess Contributions" are Contributions in excess of the applicable Code
limits. You are responsible for tracking Excess Contributions. [Code 403(b)
Contributions that exceed the applicable Code 415 limits, and that you identify
to AUL, will be accounted for separately within this contract.]

"Guaranteed SV A Account Value" is applied pursuant to the provisions of 2.1,
5.1, 5.2, 6.1, 9.2, and 9.4, and is equal to the greater of:

(1)
(2)

the SV A Account Value, or

an amount equal to the total of all Contributions, reallocations, transfers, and
interest credited thereto, that are allocated to the SV A for a Participant or
the Contractholder that have not been withdrawn previously ITom the SV A, at an
annual effective rate of interest (credited ITom the date of allocation to the
SV A) equal to [the average 5-year Constant Maturity Treasury Rate reported by
the Federal Reserve for the month of October of the calendar year immediately
preceding each calendar year in which monies are invested in the SV A (rounded
to the nearest 0.05%), minus 1.25%. This interest rate shall not be less than 1
% nor greater than 3%.]

When a partial withdrawal, partial annuitization, or any transfer is made for a
Participant under 5.2, 5.3, or 6.1, the amount described in (2) above shall be
reduced proportionally (i.e., both the amount described in (2) above and the SVA
Account Value shall be reduced by the same percentage) to reflect such
withdrawal, annuitization, or transfer if, at that time, the amount described in
(2) above is less than or equal to the SV A Account Value. When such a partial
withdrawal, partial annuitization, or any transfer is made for a Participant
under those Sections, the amount described in (2) above shall be reduced
dollar-for-dollar to reflect such withdrawal, annuitization, or transfer if, at
that time, the amount described in (2) above is greater than the SV A Acc ount
Value.

We may elect at any time to credit to the Participant's or Contractholder's SV A
Account Value as additional earnings an amount equal to any excess by which the
amount described in (2) above exceeds the SV A Account Value, even if done prior
to application of the provisions of 2.1, 5.1, 5.2,6.1,9.2, or 9.4.

If a Participant has a distributable event and is less than 100% vested under
the Plan, and if he receives all or a portion of his vested Account Value as a
Plan benefit, his entire non-vested Account Value as of such date of withdrawal
(including an amount equal to any excess by which the amount described in (2)
above exceeds the SV A Account Value) shall be transferred and credited as of
such date to a Contractholder-Ievel forfeiture account in this contract.
However, if none of the Participant's vested Account Value is withdrawn to
provide a benefit, an amount equal to his nonvested Account Value (including an
amount equal to any excess by which the amount described in (2) above exceeds
the SVA Account Value) shall only be transferred and credited to the
Contractholder-Ievel forfeiture account as ofthe date that a permanent break in
service has occurred under the Plan. If the Participant is rehired after
terminating employment and ifthe Plan allows, he may repay the amount of his
withdrawal into his Account and any amount that had been transferred and
credited to the Contractholder-level forfeiture account will be transferred from
that account and re-credited to the Participant's Account.

GBERTDA-K(SV A)

(SBR)

4



1.13

1.14

1.15

1.16

1.17

1.18

1.19

1.20

1.21

1.22

1.23

1.24

1.25

"Guaranteed Rates" are the guaranteed annual effective rates of interest we
credit on a daily basis to the SV A. A Guaranteed Rate is a fixed interest rate
that does not vary based on the investment experience of AUL's general account,
and may be modified only prospectively, as described in 3.2.

"Home Office" is our principal office in Indianapolis, Indiana. For anything to
be "received by AUL," it must be received at our Home Office.

"Investment Account" means each distinct portfolio established within our
Variable Account and identified in the Table ofInvestment Accounts in this
contract. Amounts allocated to any Investment Account are invested in the shares
of the corresponding Mutual Fund, Portfolio, or other entity identified in the
Table ofInvestment Accounts. Our "Variable Account" is a separate account we
maintain under Indiana law which is called the AUL American Unit Trust and which
is registered under the Investment Company Act of 1940 as a unit investment
trust. A "Competing Investment Account" is any [money market or bond Investment
Account with a duration of less than 3 years], as determined solely by AUL.

"Investment Option" is the SV A, the Interest Account described in 9.2(a)(2), or
any Investment Account.

"Mutual Fund" means any diversified, open-end, management company made available
by us, and listed in the Table ofInvestment Accounts.

"Participant" is any person participating in a Plan that has a Participant
Account.

"Participant Account" is an account under this contract for each Participant.
Each ContributionSource is tracked separately within the Participant Account. We
credit Contributions to Participant Accounts and Contribution-Sources as you
direct.

"Plan" means a plan of the Plan Sponsor that is qualified under Code 403(b), for
which Contributions are made to this contract.

"Plan Sponsor" is [ABC Company].

"Portfolio" is a portfolio established within a particular Mutual Fund, as
described in the Mutual Fund's current prospectus.

"Stable Value Account" or "SV A" is an Investment Option described in 3 to which
Contributions may be allocated for accumulation at the Guaranteed Rates. The SV
A and the Interest Account described in 9.2(a)(2) are Investment Options within
our general asset account.

"Valuation Periods" start at the close of each Business Day and end at the close
ofthe next Business Day.

The "Withdrawal Charge" is a percentage of the Investment Account Account Value
and the SV A Account Value (or the portion of the Guaranteed SV A Account Value
that is equal to the SV A Account Value) withdrawn under this contract and a
percentage of the amount paid out under 9.2(a) of this contract. The Withdrawal
Charge will not apply to Account Values withdrawn to provide certain benefit
payments or an annuity as described in 5.2 and 6.1, respectively. The percentage
varies by the [Contract Year] in which a withdrawal is made. The Withdrawal
Charge percentage is as follows:

[Durine Contract Years 1-5 6-10

Percentaee 8 4

GBERTDA-K(SVA)

(SBR)

5



Thereafter



In no event will the cumulative total of all Withdrawal Charges, including those
previously assessed against any amount withdrawn from a Participant Account or
Contractholder-Ievel account, exceed [8.5% ]oftotal Contributions allocated to
that account.

1.26

Withdrawal Value" is a Participant's or Contractholder's Investment Account
Account Value plus the SV A Account Value or the Guaranteed SV A Account Value
(depending on whether the entire Account is withdrawn), less any Withdrawal
Charge.

GBERTDA-K(SV A)

(SBR)

6



SECTION 2 - ADMINISTRATION OF PARTICIPANT ACCOUNTS

2.1

How Contributions Are Handled: Contributions are credited to the appropriate
Contribution-Sources within each Participant Account as you direct in your
allocation instructions. Contributions must be identified as Elective Deferrals,
Employee Mandatory Contributions, or Employer Contributions. A Participant's
initial Contribution is allocated to the Participant Account by [the second
Business Day after we (1) receive the initial Contribution or, iflater, (2)
receive all data necessary to complete the allocation (including data required
to establish the Participant Account, the amount ofthe Participant's
Contribution, and Investment Option elections)]. Subsequent Contributions are
allocated to the Participant Account on [the Business Day we (1) receive that
Contribution or, if later, (2) receive all data necessary to complete the
allocation].

If we receive funds which cannot be allocated to a Participant's Account, those
funds will be returned to you in their entirety or, at our option, only the
unallocable portion will be returned to you, within [5] Business Days.

Notwithstanding the previous paragraph, Code 403(b) funds received from a prior
Plan provider that we cannot allocate to Participant Accounts will not be
returned to you or to such provider, but instead will be allocated to a
Contractholder-Ievel account and invested in those Investment Options approved
by you. When we receive the allocation data from the prior Plan provider, such
funds (plus gains/minus losses) will be transferred from the
Contractholder-Ievel account to the appropriate Participant Account( s). If such
funds have been allocated to the SV A, an amount equal to the Guaranteed SV A
Account Value will be transferred from the Contractholder-Ievel account and
credited to the appropriate Participant Account(s) on a pro rata basis.

Ifwe can allocate a Contribution to a Participant's Account, but we have not
received Investment Option elections for that Participant, the Contribution will
be credited to the following default Investment Option: [(insert chosen default
Investment Ootion here)!. Subsequently received Investment Option elections for
that Participant will be used to allocate future Contributions only. We will
transfer amounts previously allocated for that Participant to such default
Investment Option, plus gains or minus losses thereon, only if we are directed
to make a transfer. This transfer request must be submitted in a format
specifically authorized by us.

Participant Account funds may be allocated to Investment Options in any
increments acceptable to us. Investment Option elections remain in effect until
changed by you or your designee. A change in Investment Option elections is made
by giving us new Investment Option elections.

As soon as administratively feasible following the Business Day that we receive
your notice of intent to terminate the contract pursuant to 9.1, but no later
than [5] Business Days following the Business Day that we receive such notice,
no Contributions may be credited to the SV A. If we receive Contributions that
are to be cre dited to the SV A pursuant to your direction or Participant
direction after the date that no Contributions may be credited to the SV A, such
Contributions shall instead be credited to the Interest Account described in
9.2(a)(2).

2.2

Transfers from Other Retirement Programs: If permitted by the Plan and by
applicable state and federal law, we may accept, or may initiate the transfer
of, amounts transferred from other retirement programs. Such transferred
amounts, as identified by you, are credited as a rollover Contribution under the
appropriate Participant Account and are tracked within this contract as required
by applicable state and federal law.

2.3

Reallocation of Participant Accounts: You may direct us to reallocate all or a
portion of the Account Value of any Participant Account among other Participant
Accounts. You must certify that such

GBERTDA-K(SV A)

(SBR)

7


reallocation is in accordance with the Plan. If a Participant's Account is
reallocated or a portion paid out for the benefit of an alternate payee pursuant
to a Qualified Domestic Relations Order (QDRO), prior to the division of his
Account we shall credit to his Account as additional earnings an amount equal to
any excess by which the amount described in 1.12(2) exceeds his SV A Account
Value as of such reallocation or payment date.

2.4

Excess Contributions: Contributions may vary in amount and frequency, as
determined by your Plan.

On receipt of instructions from you, we will withdraw Excess Contributions, plus
gains and minus losses, from a Participant Account and return them to the
Participant, or as you otherwise direct. Such instructions must state the amount
to be returned and certify that such Contributions are Excess Contributions and
that such return is permitted by the Plan and the Code. A return of Excess
Contributions is not subject to a Withdrawal Charge.

[No Participant is permitted to have elective deferral contributions (within the
meaning of Code 402(g)(3)) made during a calendar year under this contract, or
under any other plans, contracts, or arrangements maintained by his employer, in
excess of the dollar limitation in effect under Code 402(g)(1) and any
Regulations issued thereunder for taxable years beginning in such calendar
year.]

2.5

Transfers from Other Contracts: We may require amounts transferred to a
Participant Account from other AUL group annuity contracts to be credited to the
SVA. We will advise you if this limitation applies before accepting such a
transfer.

GBERTDA-K(SV A)

(SBR)

8



SECTION 3 -- OPERATION OF THE STABLE VALUE ACCOUNT (SVA)

3.1

Allocations to Participant Accounts: We allocate each Participant's
Contributions to the SV A based on the information you provide. We credit
interest daily to the SV A Account Value from the date of the Contribution or
transfer to the SV A to the date of withdrawal or transfer from the SV A to an
Investment Account.

3.2

Provision of a Guaranteed Rate for the SV A: Each year, at least [35 days] prior
to January 1, we shall declare a Guaranteed Rate for the SV A that shall apply
for the subsequent calendar year. All monies in the SV A will earn interest at
the Guaranteed Rate in effect. At the time we declare a Guaranteed Rate for the
next year, you shall have the option of rejecting the new rate, provided that
notice of such rejection is received by us at our Home Office at least [5 days]
prior to the date that the new Guaranteed Rate takes effect. If you reject the
new Guaranteed Rate, you will have terminated the contract as provided in 9.1.
Until such time as SV A funds are transferred to the Interest Account pursuant
to 9.2(a)(2) and are distributed using the form of payment elected by you (as
described in 9.2(a)(2, amounts invested in the SV A and in the Interest Account
shall continue to earn interest at the Guaranteed Rate in effect for the SV A as
of the Business Day that we receive notice of your rejection of the new
Guaranteed Rate at our Home Office.

3.3

Minimum Rate Guarantee: No Guaranteed Rate may be less than an annual effective
interest rate of [0%]. Thus, principal and interest accrued on all amounts
invested in the SV A are guaranteed (although such amounts are subject to the
Withdrawal Charge).

3.4

Limitation on Contributions and Transfers to the SV A: Except for annuity
purchases as described in 6.1, we reserve the right to limit or disallow
allocation of new Contributions, transfers, and loan repayments to the SV A upon
[30] days notice to you.

GBERTDA-K(SVA)

(SBR)

9



SECTION 4 - VALUATION OF INVESTMENT ACCOUNTS

4.1

Operation ofInvestment Accounts: All income, gains, or losses, realized or
unrealized, from assets held in any Investment Account are credited to or
charged against the applicable Investment Account without regard to our other
income, gains, or losses. Investment Account assets are not chargeable with
liabilities arising out of any other business we may conduct.

4.2

Valuation of Mutual Funds and Other Entities: The current report or prospectus
for each Mutual Fund or other entity listed in the second column of the Table of
Investment Accounts describes how that Mutual Fund's or other entity's assets
are valued.

4.3

Accumulation Units: We credit amounts allocated to an Investment Account in
Accumulation Units. The Accumulation Unit value used is the one for the
Valuation Period when we allocate the amount to the Investment Account.

4.4

Value of Accumulation Units: We establish the initial Accumulation Unit value
for a new Investment Account on the inception date of that Investment Account.
The value of an Accumulation Unit for any later Valuation Period reflects the
4.1 income, gains, and losses and the 7.1 Investment Option Charge (IOC). We
determine the Accumulation Unit value before giving effect to any additions,
withdrawals, or transfers in the current Valuation Period.

4.5

Valuing Participant Accounts: We determine the Account Value in an Investment
Account by multiplying the Accumulation Units in a Participant Account by the
Accumulation Unit value. The Accumulation Unit value of an Investment Account
changes only on a Business Day.

GBERTDA-K(SVA)

(SBR)

10



5.1

(d)

(e)

SECTION 5 - BENEFIT PAYMENTS AND TRANSFERS

General Withdrawal Provisions: Subject to the following provisions of this
Section, and prior to notification of contract termination (but not thereafter,
subject to the provisions of 9.2), you may direct us to withdraw all or a
portion of a Participant's (1) Investment Account Account Value and (2) his SV A
Account Value (or his Guaranteed SV A Account Value if his entire Account is
withdrawn) pursuant to 5.2 to provide a single-sum payment to you to pay Plan
benefits.

[(a)

Loans are permitted under this contract as withdrawals from the Participant's
Account to the extent that the Plan Sponsor makes provision in its Plan for the
availability of Plan loans satisfying the requirements of Code 72(p), and, where
applicable, ERISA 408(b)(I), whereby the Plan is the lender. Additionally,
hardship withdrawals, withdrawals upon attainment of age 59 Y2, and other
withdrawals from the Participant's Account are permitted under this contract to
the extent that the Plan Sponsor makes provision in its Plan for such
Participant benefits and the Plan Sponsor provides information necessary for AUL
to provide such a withdrawal.

(b)

     Code 403(b) Elective Deferrals: Amounts attributable to Code 403(b)
     elective deferral Contributions made pursuant to a Code 402(g)(3)(C) salary
     reduction agreement may be distributed to a Participant pursuant to the
     provisions ofthe Code 403(b) Plan, provided that such distribution shall
     not occur until the Participant has either attained age 59 Y2, severed
     employment, died, become totally disabled [as defined by Code 72(m)(7),
     subject to any limitations provided under the Plan], experienced a hardship
     [as defined by Code 403(b)(1l)(B), subjectto any limitations provided under
     the Plan], or a withdra~al is made to provide a Plan loan in accordance
     with Code 72(p). In the case of a hardship withdrawal, any gain credited to
     such Contributions may not be withdrawn. These timing restrictions do not
     apply to Contributions (but do apply to earnings thereon) that were
     contributed before 1989, to withdrawals to correct Excess Contributions in
     accordance with the Code or other applicable Regulations or guidance, or to
     distributions due to P Ian termination in accordance with the Code or other
     applica ble Regulations or guidance.

(c)

Code 403(b) Non-Elective Deferrals: Any distribution of Code 403(b)
Contributions other than elective deferrals described in Subsection (b) above
shall not occur until the Participant has severed employment or upon the prior
occurrence of an event specified in the Code 403(b) Plan and permissible under
Treasury Regulation 1.403(b)-6(b), such as the attainment of a stated age, after
a fixed number of years of service, or disability. This restriction does not
apply to withdrawals to correct Excess Contributions, distributions of after-tax
employee Contributions and earnings thereon, and distributions due to Plan
termination in accordance with the Code or other applicable Regulations or
guidance.

Withdrawal of any amount from this contract without there being a distributable
event under the Code 403(b) Plan that is transferred directly by us pursuant to
your or Participant instructions to another Code 403(b) tax-deferred annuity
funding vehicle under applicable IRS rules and regulations shall be subject to
application of the Withdrawal Charge pursuant to 5.2(a)(3).

If, as provided in Internal Revenue Code Regulation 1.403(b)-2T Q&A-2, the
distributee of any eligible rollover distribution from the Code 403(b) Plan
elects to have the distribution paid directly to an eligible retirement plan (as
defined in Q&A-l ofthat Section) and specifies the eligible retirement plan to
which the distribution is to

GBERTDA-K(SV A)

(SBR)

11



5.2

be paid, then the distribution shall be paid to that eligible retirement plan in
a direct rollover.]

(f)

We are not responsible for determining a Participant's compliance with the
requirements above. Any withdrawal request submitted by you must include
certification as to the purpose of the withdrawal. You assume full
responsibility for determining whether any withdrawal is permitted under
applicable law and under the terms of a particular Plan. We may rely solely upon
your representations made in the withdrawal request.

(g)

A withdrawal request is effective, and the Investment Account Account Value, SV
A Account Value, and Guaranteed SVA Account Value to be applied pursuant to 5.2
is determined, on [the Business Day that we receive a proper withdrawal request
(or due proof of death, if received later)].

(h)

We will pay any cash lump-sum to you within [7] days from the appropriate
Business Day as determined in Subsection (g) above, except as we may be
permitted to defer such payment of amounts withdrawn from the Variable Account
in accordance with appropriate provisions of the federal securities laws. We
reserve the right to defer the payment of amounts withdrawn from the SV A under
this 5 for a period of up to [6 months] after we receive the withdrawal request.

Plan Benefit Payments: You will advise us of any person for whom a payment is
due under the Plan, including the nature and amount of such payment, before the
date such payment is due or as soon thereafter as is practicable.

(a)

Subject to the limitations provided in 5.1 and Subsection (b) below, prior to
notification of contract termination (but not thereafter, subject to the
provisions of 9.2), you may direct us to withdraw all or a portion of a
Participant Account to provide a single-sum payment to you to pay:

[(1)

Plan benefits for retirement, death, disability, hardships, loans, required
minimum distribution benefits pursuant to Code 401(a)(9), or benefits after age
59 1/2 or as otherwise allowed by the Code (provided that such benefits after
age 59 Y2 or as otherwise allowed by the Code are paid in a taxable distribution
to the Participant). Such a withdrawal is not subject to a Withdrawal Charge.

(2)

Plan benefits for termination of employment. Such a withdrawal is not subject to
a Withdrawal Charge, with the following exceptions:

(A)

Any such payment requested for a Participant who terminates employment on or
after the date your Plan is terminated is subject to a Withdrawal Charge.

(B)

Any such payment requested for a Participant whose termination of employment is
part of a partial Plan termination under IRS guidelines is subject to a
Withdrawal Charge.

(C)

Even if there is no full or partial Plan termination under paragraphs (A) and
(B) above, any such termination of employment payments during the Contract Year
(or, at our option, during the 365-day period preceding our receipt of a
termination of employment benefit payment (SBR) 12

GBERTDA-K(SV A)



request) which exceed 20% of the aggregate Account Value of all Participant
Accounts determined as of the first day of the Contract Year (or the first day
of the 365-day period) are subject to a Withdrawal Charge.

(D)

Any such payment requested for a Participant who terminates employment on or
after the date the Plan Sponsor files for protection under federal bankruptcy
law, is deemed insolvent, dissolves, closes, or shuts down its business, or
ceases operations is subject to a Withdrawal Charge.

(3)

Plan benefits not otherwise listed in paragraphs (I) and (2) above. Such a
withdrawal is subject to a Withdrawal Charge.]

(b)

Regarding death benefits specifically, notwithstanding the provisions of 9, upon
receipt from you of instructions and of due proof of the Participant's (and, if
applicable, the beneficiary's) death prior to the date the Participant Account
is closed, we will apply the Participant's Investment Account Account Value and
his SV A Account Value (or his Guaranteed SV A Account Value if his entire
Account is withdrawn), minus any charges described in 7 that are not included in
the Accumulation Unit value, for the purpose of providing a death benefit under
the Plan. The death benefit will be paid to the Participant's beneficiary
according to the method of payment elected by the beneficiary (unless such
method of payment was previously elected by the Participant). Ifthe beneficiary
elects not to take a distribution and an account for him is maintained under
this contract, the Guaranteed SV A Account Value transferred to his account will
continue to be maintained for him until the beneficiary elects to take a
distribution, at which time the beneficiary's SV A Account Value (or his
Guaranteed SV A Account Value if his entire Account is withdrawn) as well as his
Investment Account Account Value will be used to provide such payment. If the
beneficiary elects to take a distribution, it shall be treated as a Plan benefit
distribution not subject to a Withdrawal Charge pursuant to 5.2( a)( I). The
Participant's beneficiary may also designate a beneficiary.

(c)

Under Subsection (a)(2) (A), (B), (C), and (D) and under (a)(3) above, if the
entire Investment Account Account Value and Guaranteed SV A Account Value is
withdrawn, the amount paid equals the Withdrawal Value minus any charges
described in 7 which are not included in the Accumulation Unit value. If a
portion of the Investment Account Account Value and SV A Account Value is
withdrawn, the Investment Account Account Value and SV A Account Value is
reduced by an amount sufficient to make the payment requested and to cover the
Withdrawal Charge and any charges described in 7 that are not included in the
Accumulation Unit value, subject to the provisions of 1.12.

As soon as administratively feasible following the Business Day that we receive
your notice of intent to terminate the contract pursuant to 9.1, but no later
than [5] Business Days following the Business Day that we receive such notice,
the above-described Plan benefits shall not be paid under this Section, but
instead amounts shall be paid under the provisions of 9.

[5.3

Required Minimum Distributions: This contract shall comply with the minimum
distribution provisions ofthe Plan, but in no event shall the contract fail to
comply with the requirements of Code 401(a)(9) and the regulations issued
thereunder, including, but not limited to, the incidental benefit requirements
specified in Code 401(a)(9)(G) and Q&A-2 of1.401(a)(9)-6, as made applicable by
Code 403(b)(10) to the Code 403(b) Plan. For purposes of applying the
distribution rules of Code 401(a)(9), distributions of Code 403(b) amounts shall
be made GBERTDA-K(SV A) (SBR) 13

in accordance with the provisions of1.408-8 ofthe Treasury Regulations, except
as provided in 1.403(b)-6(e) ofthe Treasury Regulations. Accordingly, the
provisions of (a), (b), and (c) below shall apply:

(a)

(b)

(I)

GBERTDA-K(SVA)

Code 403(b) Required Minim um Distributions Prior to the Participant's Death:

(I)

Notwithstanding any provision ofthis contract to the contrary, the distribution
of a Participant's post-1986 Code 403(b) interest in the contract (amounts
accruing after 1986, including post-1986 earnings on pre-1987 accrued amounts,
minus any charges described in 7 that are not included in the Accum ulation Unit
value) will be made in accordance with the requirements of Code 403(b)(10) and
401(a)(9) and the Regulations issued thereunder. If distributions are not made
in the form of an annuity on an irrevocable basis (except for acceleration),
then distribution of a Participant's post-1986 Code 403(b) interest in the
contract [as determined under (b)(3) below] must satisty the requirements of
Code 403(b)(10) and 401(a)(9) and the regulations issued thereunder as
applicable to an account, rather than the requirements of(a)(2), (3), and (4)
below and (b) below applicable to an annuity.

(2)

The Participant's entire post-1986 Code 403(b) interest will begin to be
distributed no later than the first day of April following the later of the
calendar year in which the Participant attains age 70 Yz or the calendar year in
which the Participant retires from employment with the employer maintaining the
Code 403(b) Plan (the" required beginning date") over (a) the life ofthe
Participant or the lives ofthe Participant and his or her designated beneficiary
or (b) a period certain not extending beyond the life expectancy of the
Participant or the joint and last survivor expectancy of the Participant and his
or her designated beneficiary. However, if this contract is not part of a
governmental plan or church plan, the "required beginning date" for a 5% owner
is the first day of April of the calendar year following the calendar year in
which the Participant attains age 70 Yz. Payments will be made in periodic
payments at intervals of no longer than 1 year, and must be either nonincreasing
or they may increase only as provided in Q&As-I and -4 of 1.401(a)(9)-6 of the
Treasury Regulations. In addition, any distribution of Code 403(b) amounts
accruing pre-1987 or post-1986 must satisfy the incidental benefit requirements
specified in Code 401(a)(9)(G) and Q&A-2 of Treasury Regulation 1.401(a)(9)-6.

(3)

The distribution periods described in (a)(2) above cannot exceed the periods
specified in Treasury Regulation 1.401(a)(9)-6.

(4)

The first required payment can be made as late as the "required beginning date,"
and must be the payment that is required for one payment interval. The second
payment need not be made until the end of the next payment interval.

Code 403(b) Required Minim um Distributions After the Participant's Death:

If the Participant dies before his Annuity Commencement Date, his entire
post1986 Code 403(b) interest [as defined in (a)(I) above] will be distributed
at least as rapidly as follows:

(SBR)

14



GBERTDA-K(SVA)

(A)

in a single sum or other method not provided in (B) below; provided, however,
that the entire interest must be paid on or before December 31 of the calendar
year which contains the fifth anniversary of the Participant's death, or

(B)

as an annuity in accordance with the Annuity Options shown in 6.2 over a period
not to exceed the life or life expectancy of the Participant's beneficiary.

(i)

If the designated beneficiary is not the Participant's surviving spouse, the
entire interest will be distributed, beginning no later than December 31 ofthe
calendar year following the calendar year in which the Participant died, over
the remaining life expectancy of such designated beneficiary. Such life
expectancy is determined using the age ofthe beneficiary as of his or her
birthday in the year following the year of the Participant's death or, if
elected, in accordance with (b )(1 )(B)(iii) below.

(ii)

If the sole designated beneficiary is the Participant's surviving spouse, the
entire interest will be distributed, beginning no later than December 31 ofthe
calendar year following the calendar year in which the Participant died (or by
December 31 of the calendar year in which the Participant would have attained
age 70 ~, if later), over such spouse's life, or, if elected, in accordance with
(b)(I)(B)(iii) below. If the surviving spouse dies before required distributions
commence to him or her, the remaining interest will be distributed, beginning on
or before December 31 of the calendar year immediately following the calendar
year in which the spouse died, over the spouse's designated beneficiary's
remaining life expectancy determined using such beneficiary's age as of his or
her birthday in the year following the death of the spouse, or, if elected, will
be distributed in accordance with (b)(1)(B)(iii) below. If the surviving spouse
dies after required distributions commence to him or her, any remaining interest
will continue to be distributed under the payment option chosen.

(iii)

If there is no designated beneficiary, the designated beneficiary is not an
individual, or if applicable by operation of(b)(I)(B)(i) or (ii) above, the
entire interest will be distributed no later than December 31 of the calendar
year containing the fifth anniversary ofthe Participant's death (or of the
spouse's death in the case of the surviving spouse's death before distributions
are required to begin under (b)(I)(B)(ii) above).

(iv)

Life expectancy is determined using the Single Life Table in Q&A-l of Treasury
Regulation 1.401(a)(9)-9. Ifdistributions are being made to a surviving spouse
as the sole designated beneficiary, such spouse's remaining life expectancy for
a year is the number in the Single Life Table corresponding to such spouse's age
in the year. In all other cases, remaining life expectancy for a year is the
number in the Single Life Table

(SBR)

15



[5.4

(c)

corresponding to the beneficiary's age in the year specified in (b)(l)(B)(i) or
(ii) above and reduced by 1 for each subsequent year.

(2)

If the Participant dies on or after his or her Annuity Commencement Date, any
interest remaining under the benefit payment option selected will continue to be
distributed under that benefit payment option and will be paid at least as
rapidly as prior to the Participant's death.

(3)

The Participant's "interest" includes the amount of any outstanding rollover or
transfer and the actuarial value of any other benefits provided under the
contract, such as guaranteed death benefits, if any.

(4)

For purposes of (b)(l) and (2) above, required distributions are considered to
commence on the Participant's required beginning date or, if applicable, on the
date distributions are required to begin to the surviving spouse under
(b)(l)(B)(ii) above. However, if distributions start prior to the applicable
date in the preceding sentence, on an irrevocable basis (except for
acceleration) under an annuity contract meeting the requirements of Treasury
Regulation 1.401(a)(9)-6, then required distributions are considered to commence
on the annuity starting date.

Application to Multiple Contracts: To the extent permitted by Treasury
Regulation 1.403(b)-6(e)(7), the required minimum distribution from one Code
403(b) contract of a Participant may be distributed from another Code 403(b)
contract of the Participant in order to satisfy Code 401(a)(9). The Participant
shall in such event be responsible for the satisfaction of Code 401(a)(9).]

Code 403(b) Rollovers: A distributee may elect to have any portion of an
eligible rollover distribution from the Code 403(b) Plan paid directly to an
eligible retirement plan specified by the distributee in a direct rollover. For
this purpose, the following definitions and rules apply: I

(b)

(a)

Eligible Rollover Distribution: An eligible rollover distribution is any
distribution of all or any portion of the balance to the credit ofthe
distributee, except that an eligible rollover distribution does not include: any
distribution that is one of a series of substantially equal periodic payments
(not less frequently than annually) made for the life (or life expectancy) of
the distributee or the joint lives (or joint life expectancies) of the
distributee and the distributee's designated beneficiary, or for a specified
period of ten years or more; any distribution to the extent such distribution is
required under Code 401(a)(9) as made applicable by Code 403(b)(lO); any
distribution made upon the hardship ofthe employee; and any other amounts
designated in applicable federal tax guidance. The term "eligible rollover
distribution" shall not include the portion of any distribution that is not
includible in gross income except to the extent that such amount is paid
directly to an eligible retirement plan that is an individual retirement account
described in Code 408(a), an individual retirement annuity described in Code
408(b), or an annuity described in Code 403(b) or qualified trust described in
Code I 401(a) and such annuity or trust agrees to separately account for such
amounts so transferred, including separately accounting for the portion of such
distribution that is includible in gross income and the portion that is not so
includible.

Eligible Retirement Plan: An eligible retirement plan is an individual
retirement account described in Code 408(a), an individual retirement annuity
described in Code

GBERTDA-K(SVA)

(SBR)

16



[5.5

5.6

5.7

408(b), an annuity plan described in Code 403(a) or 403(b), a qualified trust
described in Code 401(a), or an eligible deferred compensation plan described in
Code 457(b) which is maintained by an eligible governmental employer described
in Code 457(e)(I)(A), that accepts the distributee's eligible rollover
distribution.

(c)

Distributee: The Participant is a distributee whether he or she is an employee
or former employee. In addition, a Participant's spouse or former spouse who is
the alternate payee under a qualified domestic relations order, as defined in
Code 414(p), is a distributee with regard to the interest of the spouse or
former spouse.

(d)

Nonspouse Beneficiary: To the extent permitted by Code 402(c)(1l) and applicable
federal tax guidance issued thereunder, a direct trustee-to-trustee transfer may
be made to an individual retirement account described in Code 408(a) or an
individual retirement annuity described in Code 408(b) of an individual who is
the Participant's designated beneficiary but who is not the Participant's
surviving spouse if such transfer would be an eligible rollover distribution but
for the fact that the distributio n is not being made to the Participant or the
Participant's surviving spouse. I

Direct Rollover: A direct rollover is a payment by the Plan to the eligible
retirement plan specified by the distributee.]

(e)

Distributions on Plan Termination: With regard to amounts attributable to Code
403(b) Contributions made pursuant to a Code 402(g)(3)(C) salary reduction
agreement, termination of the Code 403(b) Plan and distribution of such
accumulated amounts pursuant to the provisions of the Plan are permitted only
ifthe Plan Sponsor [taking into account all entities that are treated as the
same employer under Code 414(b), (c), (m), or (0) on the date of the
termination] does not make contributions to any Code 403(b) contract that is not
part ofthe Plan during the period beginning on the date of Plan termination and
ending 12 months after distribution of all assets from the terminated Plan.
However, if at all times during the period beginning 12 months before the
termination and ending 12 months after distribution of all assets from the
terminated Plan, fewer than 2% ofthe employees who were eligible under the Code
403(b) Plan as ofthe date of Plan termination are eligible under the alternative
Code 403(b) contract, the alternative Code 403(b) contract is disregarded.]

Transfers Between Investment Options: You may direct us to transfer a
Participant's Investment Account Account Value and SV A Account Value between
Investment Options, or to initiate Participant-directed transfers between
Investment Options. A transfer is deemed "Participantdirected" only if it
reflects the Participant's investment choice, free of any suggestion or
influence by you, the Plan Sponsor, or any fiduciary or other party to the
administration or management of the Plan (with the exception of any investment
advice rendered by a third-party provider for whom an Investment Advice Provider
Fee is earned under the Table of Contract Charges). A transfer that is not
"Participant-directed" is Contractholder-directed and is subject to 5. 7(b).
Transfers are effective on [the Business Day that we receive the transfer
direction]. Transfer directions for a Participant Account may be made daily on
any Business Day. We will make the transfer as requested within [7] days from
the date we receive the request, except as we may be permitted to defer the
transfer of amounts withdrawn from the Variable Account in accordance with
appropriate provisions of the federal securities laws. We reserve the right to
defer a transfer of amounts from the SV A for a period of up to [6 months] after
we receive the transfer request.

Transfers to and from the SV A:

GBERTDA-K(SV A)

(SBR)

17



(a)

As soon as administratively feasible following the Business Day that we receive
your notice of intent to terminate the contract pursuant to 9.1, but no later
than [5] Business Days following the Business Day that we receive such notice,
no transfers from the SV A may be made.

(b)

Contractholder-directed transfers to and from the SV A are subject to our
approval.

GBERTDA-K(SV A)

(SBR)

18



SECTION 6 - ANNUITIES

6.1

Annuity Purchases: Prior to notification of contract termination (but not
thereafter, subject to the provisions of 9), you may withdraw all or a portion
of a Participant's Investment Account Account Value and SVA Account Value (or
his Guaranteed SVA Account Value if his entire Account is withdrawn) to provide
a Plan benefit in the form of an annuity. Such a withdrawal is not subject to a
Withdrawal Charge. On the date we receive an annuity purchase request, we
transfer the amount requested to the SV A if it is an available Investment
Option, otherwise to the default Investment Option listed in 2.1. Such amounts
remain in the SV A or the default I nvestment Option until the Investment
Account Account Value and SV A Account Value (or Guaranteed SV A Account Value
if his entire Account is withdrawn) of such requested amounts (reflecting gains
and losses) is applied to purchase the annuity on [the last day ofthe month
preceding the Annuity Commencement Date.] As of that annuity purchase date,
those Participant Account funds are no longer maintained in this contract.

Your annuity purchase request must specifY the purpose for the annuity, the
election of an annuity option, Annuity Commencement Date, any contingent
annuitant or beneficiary, and any additional information we require. If the
Participant or any contingent annuitant dies before the Annuity Commencement
Date, the annuity election is cancelled.

The minimum amount that you may apply to purchase an annuity is [the lesser of
$10,000 or the Participant's entire Investment Account Account Value plus his
Guaranteed SV A Account Value].

As soon as administratively feasible following the Business Day that we receive
your notice ofintent to terminate the contract pursuantto 9.1, but no later than
[5] Business Days following the Business Day that we receive such notice, Plan
benefits payable in the form of an annuity shall not be paid under this Section,
but instead amounts shall be paid under the provisions of 9.

6.2

Annuity Options: You may elect any optional form of annuity we offer at the time
of purchase. Available annuity options always include:

(a)
(b)

Life Annuity. A monthly annuity is payable as long as the annuitant lives.

Survivorship Annuity. A monthly annuity is payable as long as the annuitant
lives. After the annuitant's death, all or a portion of the monthly annuity is
paid to the contingent annuitant as long as the contingent annuitant lives.

(c)

1 0- Year Certain and Life Annuity. A monthly annuity is payable to the
annuitant for as long as the annuitant lives. Ifthe annuitant dies before
receiving payments for the 1 O-year certain period, any remaining payments for
the balance of the 10-year certain period are paid to the annuitant's
beneficiary.

6.3

If a certain period annuity is available, the certain period may not extend
beyond the life expectancy of a Participant or the joint life expectancy of a
Participant and any contingent annuitant, as determined on the Annuity
Commencement Date.

Determining Annuity Amount: We compute the annuity amount using the factors
reflected in the Table of Guaranteed Immediate Annuities attached to this
contract. However, if our current single premium, nonparticipating, immediate
annuity rates for this class of group annuity contracts produce a higher monthly
annuity than the Table of Guaranteed Immediate Annuities, then that more
favorable annuity rate is applied.

6.4

Proof of Age and Survival; Minimum Payments: We may require proof of any
annuitant's or contingent annuitant's date of birth before commencing payments
under any annuity. We may also require proof that an annuitant or contingent
annuitant is living before making any annuity payment. If a monthly annuity is
less than our current established minimum payment, we may make payments on a
less-frequent basis.

GBERTDA-K(SV A)

(SBR)

19



6.5

Annuity Certificates: We issue to each person for whom an annuity is purchased a
certificate setting forth the annuity's amount and terms.

GBERTDA-K(SV A)

(SBR)

20



7.5

SECTION 7 - OTHER CONTRACT CHARGES

7.1

Investment Option Charge (IOC): Under 4.4, the Accumulation Unit values of all
Investment Accounts reflect the daily equivalent of an IOC expressed as an
annual percentage.

The IOC for an Investment Account is applied directly against the Investment
Account and is equal to the sum of "x" + "y" where:

"x" =

a current charge for the investment advisory fees and for the operational,
organizational, and other expenses of the corresponding Mutual Fund, Portfolio,
or other entity in which the Investment Account invests. Periodically, for a
given Investment Account, "x" will change to reflect changes in the related
expenses and other factors. Any change in "x" for an Investment Account will be
effective without prior written notice. It is the Mutual Fund, Portfolio, or
other entity that collects this charge, not AUL. Copies of the prospectuses or
reports of the Mutual Fund, Portfolio, or other entity are available for review.

"y" =

a current combined mortality risk charge and expense risk charge of [1.25%].

7.2

Taxes: We may deduct charges equal to any premium tax we incur rom the balance
applied to purchase an annuity or at such other time as premium taxes are
incurred by AUL. We may also deduct rom Investment Accounts reasonable charges
for federal, state, or local income taxes we incur that are attributable to such
Investment Accounts.

7.3

Reduction or Waiver of Charges: We may reduce or waive the Withdrawal Charge or
the charges discussed above if the appropriate expenses associated with the sale
or administration of any contract are reduced or if a contract is sold covering
our employees or directors, those ofthe OneAmerica@ Funds, Inc., or to either's
affiliates.

7.4

Other Charges:

(a)

We apply those charges listed in the Table of Contract Charges.

(b)

Charges due AUL for which the Plan is responsible, and to which the Plan Sponsor
and Contractholder have otherwise agreed in writing, which are unpaid [60 days]
after the payment due date, will be deducted rom Participant Accounts on a
pro-rata basis. These charges may include, but are not limited to, Participant
statement mailing fees, Form 5500 fees, administrative fees, data reconciliation
and reconstruction fees, commissions, and contract application/installation fees
for a takeover Plan. The Plan Sponsor must pay any charges for which the Plan
Sponsor (not the Plan) is responsible, and to which the Plan Sponsor has
otherwise agreed in writing. These charges include contract
application/installation fees for a new Plan.

Variable Investment Plus (VIP) Credit Factor: We determine a VIP credit factor
each month by multiplying the portions of the aggregate month-end Account Value
in all Investment Accounts by the monthly equivalent of the corresponding annual
VIP credit factors in the table

GBERTDA-K(SV A)

(SBR)

21



below. The sum of these products is divided by the aggregate month-end Account
Value in all Investment Accounts. We multiply the resulting percentage by each
Participant's month-end Account Value in each Investment Account, and add the
resulting amount to the Participant's Account Value for that Investment Account.

rAeereeate Month-End Account Value allocated to Investment Accounts $0-$249,999
$250,000-$999,999 $1,000,000-$1,999,999 $2,000,000-$2,999,999
$3,000,000-$4,999,999 Over $5,000,000

Annual VIP Credit Factors 0.00% 0.60% 0.65% 0.75% 0.85% 0.95% J

The VIP Credit Factor may be reduced by an annual charge percentage equal to the
current fixed dollar charge for expenses you have selected and agreed to in your
AUL administrative services agreement divided by the aggregate period-end
Account Value in all Investment Accounts. Periodend will be month-end.
Alternatively, at our option and upon [30J days notice to you prior to the
beginning of the next calendar quarter, we may use the aggregate calendar
quarter-end Account Value in all Investment Accounts to calculate this charge.
We also reserve the right to revert to a month-end calculation upon [30J days
notice to you prior to the beginning ofthe month in which the change is to be
effective. Such charge percentage may not reduce the VIP Credit Factor below 0%.

GBER TDA-K(SV A)

(SBR)

22



SECTION 8 - CONTRACT MODIFICATIONS

8.1

Contract Amendment: You and we may agree to any change or amendment to this
contract without the consent of any other person or entity. This contract cannot
be modified or amended, nor can any provision or condition be waived, except by
written authorization of a corporate officer of AUL.

8.2

Rates and 7 Charges: We may announce new Guaranteed Rates, as described in 3.2.
We may also modify the charge levels in 7 (but may not exceed the maximum charge
levels listed in the Table of Contract Charges) using the procedures of 8.5.

8.3

Conformance with Law: We may amend this contract at any time, without your
consent, or that of any other person or entity, if the amendment is reasonably
needed to comply with, or give you or Participants the benefit of, any
provisions of federal or state laws. Any such amendment will be delivered to you
prior to its effective date.

8.4

Addition, Deletion, or Substitution ofInvestments:

(a)

We reserve the right, subject to compliance with applicable law, to make
additions to, deletions trom, substitution for, or combinations of, the
securities that are held by any Investment Account or that any Investment
Account may purchase. We reserve the right to eliminate the shares of any ofthe
eligible Mutual Funds, Portfolios, or other entities and to substitute shares
of, or interests in, another Mutual Fund, Portfolio, or another investment
vehicle, for shares already purchased or to be purchased in the future under the
contract, if the shares of any or all eligible Mutual Funds, Portfolios, or
other entities are no longer available for investment or if further investment
in any or all eligible Mutual Funds, Portfolios, or other entities becomes
inappropriate in view of the purposes of the contract. Where required under
applicable law, we will not substitute any shares attributable to your interest
in any Investment Account without notice, your approval or Participant approval,
or prior approval of the Securities and Exchange Commission or a state insurance
commissioner, and without following the filing or other procedures established
by applicable state insurance regulators.

Nothing contained herein will prevent the Variable Account trom purchasing other
securities for other series or classes of contracts, or from effecting a
conversion between series or classes of contracts on the basis of requests made
by a majority of other contractholders or as permitted by federal law .

(b)

We reserve the right to establish additional Investment Accounts, each of which
would invest in the corresponding Mutual Fund, Portfolio, or other entity, or in
other securities or investment vehicles. We reserve the right to eliminate or
combine existing Investment Accounts if marketing, tax, or investment conditions
warrant. We reserve the right to provide other Investment Options under this
contract at any time. Subject to any required regulatory approvals, we reserve
the right to transfer assets trom any Investment Account to another separate
account of AUL or Investment Account.

(c)

In the event of any such substitution or change, we may, by appropriate
amendment, make such changes in this contract as may be necessary or appropriate
to reflect such substitution or change. Any transfer request or Investment
Option election received on or after the effective date of such substitution or
change that reflects the previous Investment Option that has been substituted or
changed will be transacted using the new substituted or changed Investment
Option. If deemed by us to be in the best interests of persons or entities
having

GBERTDA-K(SV A)

(SBR)

23



voting rights under this contract, the Variable Account may be operated as a
management investment company under the Investment Company Act of 1940 or any
other form permitted by law, it may be deregistered in the event such
registration is no longer required under the Investment Company Act of 1940, or
it may be combined with other separate accounts of AUL or an affiliate thereof.
We may take such action as is necessary to comply with, or to obtain, exemptions
from the Securities and Exchange Commission with regard to the Variable Account.
Subject to compliance with applicable law, we also may combine one or more
Investment Accounts and may establish a committee, board, or other group to
manage one or more aspects of the Investment Accounts.

8.5

Our Right to Initiate Changes: In addition to those amendments permitted by 8.2,
8.3, and 8.4, we may initiate an additional provision or modification of any
other provision of this contract (except for those prohibited amendments listed
in 8.6) by giving you [60] days notice of such modification. Any such
modification is effective without your affirmative assent.

8.6

Prohibited Amendments:

(a)

Notwithstanding our right to initiate changes under 8.5, we may not initiate
changes to the method of calculating the Guaranteed SV A Account Value as set
out in 1.12, our obligation to set Guaranteed Rates for the period of time
specified in 3.2, the payment provisions upon contract termination specified in
9.2, or the maximum charge levels listed in the Table of Contract Charges. We
may not modify the Table of Guaranteed Immediate Annuities more often than once
every 5 years, and such modified Table will only apply to those individuals who
become Participants on or after the effective date of such modification.

(b)

No modification to this contract may change the terms of a previously purchased
annuity or reduce any interest guarantee applicable to Participant Account
balances held in the SV A on the modification's effective date.

I I I I I I I I

GBERTDA-K(SV A)

(SBR)

24



9.1

SECTION 9 - TERMINATION OF CONTRACT

Termination by You: You may terminate this contract by giving us notice and
electing a form of payment described in 9.2. Your rejection of a new Guaranteed
Rate declared for the SV A pursuant to 3.2 shall constitute notice of your
termination of the contract, provided that notice of such rejection is received
by us at our Home Office at least [5 days] prior to the date that the new
Guaranteed Rate takes effect. The contract termination effective date is [the
Business Day that we receive your notice at our Home Office].

9.2

Payment Upon Termination by You: If you terminate the contract, you may elect
the following options:

(a)

(b)

(1)

We pay you the aggregate Investment Account Withdrawal Value of all Participant
Accounts and Contractholder-level accounts in a lump-sum. Such Withdrawal Value
will be determined on the termination effective date and paid within [7] days
from the termination effective date, except as we may be permitted to defer
payment in accordance with appropriate provisions of the federal securities
laws.

(2)

The Guaranteed SV A Account Value for a Participant or the Contractholder as
determined on the termination effective date shall be transferred as of that
date from the SV A to an Interest Account within our general asset account
within [7] days from the termination effective date. (Amounts may be credited to
this Interest Account only as described in this Subsection (a)(2).) All amounts
accumulated in this Interest Account shall continue to earn interest in a
specific calendar year at the Guaranteed Rate in effect for the SV A as of the
contract termination effective date, but such interest shall never be less than
[the average 5-year Constant Maturity Treasury Rate reported by the Federal
Reserve for the month of October ofthe calendar year immediately preceding such
specific calendar year (rounded to the nearest 0.05%), minus 1.25%. This minimum
guaranteed interest rate shall not be less than 1 % nor greater than 3%.]

Amounts accumulated in this Interest Account, subject to a Withdrawal Charge,
shall be paid out [365 days] following the contract termination effective date.
[Only Plan benefit distributions that are paid pursuant to 6.1, and Plan benefit
distributions that are paid pursuant to 5.2 for retirement, death, disability,
termination of employment, and Code 401(a)(9) required minimum distributions
that are not subject to a Withdrawal Charge, shall continue to be made during
this 365-day period.] Provided that both you and we agree, an earlier payout
within this [365-day] period may be arranged.

Transfer to Another Contract: You may permit a Participant to transfer his
Investment Account Account Value and his Guaranteed SV A Account Value to any
group annuity contract that has a withdrawal charge that we may make available.
You may permit a Participant to transfer his Investment Account Account Value
and his Guaranteed SV A Account Value, subject to a Withdrawal Charge, to any
group annuity contract that does not have a withdrawal charge that we may make
available. Any such amounts are transferred on the contract termination
effective date. Monies in the SV A can be transferred to such group annuity
contract, subject to the same limitations as described in Subsection (a)(2)
above.

As soon as administratively feasible following the Business Day that we receive
your notice ofintent to terminate the contract, but no later than [5] Business
Days following the Business Day that we receive such notice, no Contributions
may be credited to the SV A pursuant to 2.1, and no transfers to or from the SV
A may be made pursuant to 5.7.

GBERTDA-K(SV A)

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25



9.3

Tennination by Us: We have the right, subject to applicable state law, to
tenninate any Participant Account established under this contract at any time
during the Contract Year ifthe Account Value of the Participant Account is less
than [$200 ] for the first Contract Year in which a Contribution is made for the
Participant, and [$400] for any subsequent Contract Year, and at least [6
months] have elapsed since the last previous Contribution to the contract. If we
elect to terminate a Participant Account, the tennination will be effective on
the date [6 months] following the date we give notice to you and the Participant
that the Participant Account is to be tenninated, provided that any
Contributions made during the [6-month] period are insufficient to raise the
Account Value up to the minimum level.

9.4

Payment Upon Tennination by Us: As of the effective date oftennination of a
Participant Account by us, we may elect to have a single sum equal to the
Investment Account Account Value and the Guaranteed SV A Account Value ofthe
Participant Account on the effective date oftennination paid to you within [7]
days from that date. Any such payment is in full settlement of the Participant
Account under this contract and in lieu of any other payment under its tenns.

9.5

Indemnification Required: Payments or transfers under 9.2 are in full settlement
of our obligations under this contract. Prior to making such payments or
transfers under 9.2, we may require you and the Plan Sponsor to indemnify and
hold us hannless from any and all losses, claims, or demands that may later be
asserted against us in connection with the making of such payment or transfer.

9.6

Effect on Contract Obligations: Any annuities purchased prior to notification of
contract tennination are unaffected by a tennination. We may refuse further
Contributions at any time after a termination notice has been given. If we have
been providing Plan and/or Participant recordkeeping services, such services
stop on the tennination effective date, we cease to maintain individual
Participant Accounts under the contract and cease to provide quarterly
statements of Account Value, and any administrative services agreement between
you and us regarding your Plan and/or this contract is thereby tenninated. This
contract tenninates automatically if no amounts remain in either the SV A or any
Investment Account.

GBERTDA-K(SV A)

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26



10.1

10.2

10.3

lOA

10.5

SECTION 10 - GENERAL PROVISIONS

Ownership: You own this contract. No other person or entity has any right,
title, or interest in this contract or to amounts received or credited under it
until you make such amounts available to them. All amounts received or credited
under this contract become our property. Weare obligated to make only the
payments or distributions specified in this contract.

Entire Contract: This contract and your application constitute the entire
agreement between you and us. We are not a party to, nor bound by, a Plan,
trust, custodial agreement, or other agreement, or any amendment or modification
to any ofthe same. Weare not a fiduciary under this contract or under any such
Plan, trust, custodial agreement, or other agreement.

Benefit Determinations: You will furnish us whatever information is necessary to
establish the eligibility for and amount of annuity or other benefit due. We
rely solely on your instructions and certifications with respect to Participant
benefits. You are fully responsible for determining:

(a)

whether benefit payments are permitted under applicable law and the Plan and

(b)

the existence or amount of Excess Contributions (plus gains or minus losses
thereon), or that returns of Excess Contributions are permitted by the Plan and
the Code.

We may rely on your or your designee's statements or representations in honoring
any benefit payment request.

We require that a Participant execute and submit to us an affidavit that we
prepare in order that we may process that Participant's benefit payable under
this contract if you, the Plan Sponsor, the Plan Trustee, and the Plan
Administrator are no longer in existence at the time we receive that
Participant's benefit payment request.

Recordkeeping Services: We generally provide Plan recordkeeping services when
all of a Plan's funds are held under this contract. We decline to provide Plan
recordkeeping services if you elect to allocate Plan funds to investments other
than this contract, or if your Plan's recordkeeping practices, in our judgment,
impose an administrative or financial burden on us. If we cease to provide Plan
recordkeeping for any reason, we cease to maintain individual Participant
Accounts under the contract and cease to provide quarterly statements of Account
Value, and any administrative services agreement between you and us regarding
your Plan and/or this contract is thereby terminated.

Representations and Warranties: You and we mutually represent and warrant, each
to the other, that each is fully authorized to enter into this contract and that
this contract is a valid and binding obligation and that the execution of this
contract does not violate any law, regulation, judgment, or order by which the
representing party is bound. In addition, you represent and warrant to us that:

(a)

the Plan meet the requirements of Code 403(b);

(b)

the execution of this contract has been authorized by the Plan fiduciary
responsible for Plan investment decisions; and

(c)

the execution or performance of this contract does not violate any Plan
provision or any law, regulation, judgment, or order by which the Plan is bound.

GBER TDA-K(SV A)

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27



10.6

10.7

10.8

10.9

10.10

10.11

10.12

We do not make any representation or warranty regarding the federal, state, or
local tax status of this contract, any Participant Account, or any transaction
involving this contract.

Contractholder Representative; Misstatement of Data: You may designate a
representative to act on your behalf under this contract or to receive any
payment made pursuant to this contract. We may rely on any information you, your
designee, or a Participant furnishes. We need not inquire as to the accuracy or
completeness of such information. If any essential data pertaining to any person
has been omitted or misstated, including, but not limited to, a misstatement of
an annuitant's or contingent annuitant's age, we will make an equitable
adjustment to provide the annuity or other benefit determined using correct
data.

Form of Request, Notice, Instruction, or Direction: When reference is made to
you, your designee, or a Participant making a request or giving notice,
instruction, or direction, such request, notice, instruction, or direction must
be in writing, or in a form otherwise acceptable to us, and is effective when we
receive it.

Quarterly Statement of Account Value: Reasonably promptly after the end of each
Contract Quarter, we will prepare a statement of the Account Value for each
Participant Account, unless we cease to maintain individual Participant Accounts
pursuant to 9.6.

Conformity with Law: Any benefit payable under this contract shall not be less
than the minimum benefit required by the insurance laws of the state in which
the contract is delivered. Language in this contract referring to state or
federal tax, securities, or other statutes or rules do not incorporate within
this contract any such statutes or rules.

Gender and Number: Whenever the context so requires, the plural includes the
singular, the singular the plural, and the masculine the feminine.

Facility of Payment: If any Participant, contingent annuitant, or beneficiary is
legally incapable of giving a valid receipt for any payment, ifno guardian has
been appointed, and if we receive a valid power of attorney for such
Participant, contingent annuitant, or beneficiary, we may pay the person or
persons named in such power of attorney. We may also pay you directly or as you
otherwise instruct. Any such payment fully discharges us to the extent of such
payment.

Voting: We own all shares of a Mutual Fund, Portfolio, or other entity held in
an Investment Account. We exercise the voting rights of such shares at all
shareholder meetings on all matters requiring shareholder voting under the
Investment Company Act of 1940 or other applicable laws. Our vote reflects
instructions received from persons having the voting interest in the shares, as
follows:

(a)

You have the voting interest under this contract. Unless otherwise required by
applicable law, the number of shares of a Mutual Fund, Portfolio, or other
entity for which you may give voting instructions is determined by dividing the
aggregate Account Values in the affected Investment Account by the net asset
value of the shares of the Mutual Fund, Portfolio, or other entity. Fractional
votes are counted. Our determination is made as of the date used by the Mutual
Fund, Portfolio, or other entity to determine shareholders eligible to vote.

(b)

We vote shares proportionally, to reflect the voting instructions we receive in
a timely manner from you and from all other contractholders. If no timely voting
instructions are

GBERTDA-K(SVA)

(SBR)

28



received from you, we vote shares proportionally, to reflect the voting
instructions we received in a timely manner for all other contracts.

To the extent permitted by applicable law, we may vote shares in our own right
or may modify the above procedures to reflect changes in the law or its
interpretation.

We will provide prospectuses and other reports as required by applicable federal
law.

10.13

Acceptance of New Participants or Contributions: We may refuse to accept new
Participants or new Contributions at any time.

10.14 Our Annual Statement: No provision of this contract controls, determines,
or modifies any annual statement made by us to any insurance department,
contractholder, regulatory body, or other person. Nor does anything in such
annual statement control, determine, or modify the provisions of this contract.

[10.15

Nonforfeitability and Nontransferability: The Participant's entire Withdrawal
Value of the vested portion (as determined pursuant to the Code 403(b) Plan) of
Code 403(b) funds is nonforfeitable at all times within the meaning of Code
403(b)(1)(C) and any Regulations issued thereunder. The Code 403(b) funds shall
also be nontransferable within the meaning of Treasury Regulation
1.403(b)-3(a)(5). No sum payable under this contract that is attributable to
Code 403(b) funds with respect to a Participant may be sold, assigned,
discounted, or pledged as collateral for a loan or as security for the
performance of an obligation or for any other purpose to any person or entity
other than us, other than pursuant to a qualified domestic relations order
described in Code 414(p). In addition, to the extent permitted by law, no such
sum shall in any way be subject to legal process requiring the payment of any
claim against the payee.]

10.16 Notice of Annual Meeting of Members: By-law, Art II, Sec. 2: the regular
annual meeting of the members of American United Mutual Insurance Holding
Company shall be held at its principal place of business on [the third Thursday
in February each year at ten o'clock A.M. local time] or at such other location,
place, or time as may be designated by the Board of Directors. The election of
directors shall be held at the annual meeting.

GBERTDA-K(SVA)

(SBR)

29



TABLE OF CONTRACT CHARGES

(1)

Participant Account Charge: We deduct a Participant Account Charge of up to $10
per Contract Quarter on the last day of each Contract Quarter trom each
Participant Account in existence on such day for as long as the Participant
Account is in effect. Alternatively, we may bill this charge to you. If the
entire balance of a Participant Account is applied or withdrawn before the last
day of the Contract Quarter pursuant to the contract, the Participant Account
Charge 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 trom the amount applied or withdrawn and will not be billed
to you.

(2)

Loan Initiation Fee: We assess a Loan Initiation Fee of up to $100 against the
Account of any Participant for whom a Plan loan withdrawal is requested under
this contract.

(3)

Loan Administration Fee: On the last day of each Contract Quarter, we deduct
trom a Participant's Account a Loan Administration Fee of up to $12.50 for each
Plan loan ofthe Participant that remains outstanding on such day. Alternatively,
we may bill this charge to you if you and we mutually agree. If the entire
balance of a Participant 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
you.

(4)

Charge for Non-Electronic Transfers: We charge a service fee of up to $5 for
non-electronic transfers between Investment Options, which will either be billed
to you or deducted trom the applicable Participant Account.

(5)

Distribution Fee: We bill you for a Distribution Fee of up to $40 for each
Participant for whom a withdrawal is made under this contract in which the
entire Participant Account is distributed in a lump-sum. Alternatively, we may
assess this Distribution Fee against the affected Participant Account if
permitted under applicable law, regulations, and rulings.

(6)

Contract Termination Individual Participant Check Fee: We bill you for a fee of
up to $100 for each Participant for whom an individual check is prepared upon
contract termination. (This charge does not apply to a lump-sum payment to you
upon contract termination.) Alternatively, we may assess this fee against the
affected Participant Account if permitted under applicable law, regulations, and
rulings.

(7)

Investment Advice Provider Fee: We bill you for an Investment Advice Provider
Fee in an amount separately agreed upon by you and the third-party investment
advice provider. Alternatively, we may assess this Investment Advice Provider
Fee against the Account of each Participant who utilizes the investment advice
provider's services ifpermitted under applicable law, regulations, and rulings.
The entire fee collected by us will be forwarded to the investment advice
provider. We do not retain any portion of this fee.

GBERTDA-K(SV A)

(SBR)

30



[TABLE OF GUARANTEED IMMEDIATE ANNUITIES

MONTHLY INCOME PER $1,000 OF ACCOUNT VALUE

10-YEAR CERTAIN ADJUSTED AGE LIFE ANNUITY AND LIFE ANNUITY 45 2.7498 2.7455 46
2.7986 2.7938 47 2.8498 2.8444 48 2.9036 2.8975 49 2.9602 2.9532 50 3.0197
3.0116 51 3.0823 3.0730 52 3.1483 3.1375 53 3.2178 3.2052 54 3.2913 3.2763 55
3.3690 3.3512 56 3.4511 3.4299 57 3.5381 3.5126 58 3.6301 3.5995 59 3.7273
3.6906 60 3.8300 3.7862 61 3.9387 3.8865 62 4.0536 3.9919 63 4.1751 4.1024 64
4.3037 4.2184 65 4.4397 4.3400 66 4.5837 4.4676 67 4.7365 4.6014 68 4.8992
4.7419 69 5.0735 4.8895 70 5.2610 5.0448 71 5.4635 5.2077 72 5.6823 5.3783 73
5.9180 5.5559 74 6.1718 5.7400 75 6.4456 5.9301

Adjusted Age = Actual Age at Settlement (in years and completed months) less the
following number of months: [0.6 times (Birth Year - 1915)] rounded to the
nearest integer.

Guaranteed purchase rates are 100% ofthe net single premium for the benefit
provided based on 85% of the unprojected 1994 Group Annuity Reserving Table for
females with interest at 1.5%.]

GBERTDA-K(SV A)

(SBR)

31



TABLE OF INVESTMENT ACCOUNTS

The following Investment Accounts are made available to you under this contract.
By completing a form we require, you may restrict the Investment Accounts that
you make available to your Participants. Amounts allocated to any Investment
Account identified below are invested in the shares ofthe corresponding Mutual
Fund, Portfolio, or other entity listed below. Any restrictions imposed on AUL's
ability to buy or sell shares in a Mutual Fund, Portfolio, or other entity
listed below, and any fees imposed on AUL in connection with the purchase or
sale of such shares, will be applied to any transaction by the Contractholder or
Participant involving the corresponding listed Investment Account. Competing
Investment Accounts are not available under this contract.

Investment Account

{(Note: Comvetinfl Investment Accounts are not to be available under this
contract and are not to be listed here.)

Mutual Fund. Portfolio. or Other Entity

AIM Basic Value AIM Capital Development AIM Dynamics AIM Energy AIM Financial
Services AIM Global Equity AIM Global Health Care AIM International Growth AIM
Leisure AIM Mid Cap Core Equity AIM Small Cap Growth AIM Technology
AllianceBernstein Focused Growth & Income AllianceBerns tein Glob al Value
AllianceBernstein International Growth AllianceBerns tein International Value
AllianceBernstein Mid-Cap Growth AllianceBernstein SmalI/Mid Cap Value
AlIianceBernstein Small-Cap Growth AlIianceBernstein Value AlIianz CCM Capital
Appreciation AlIianz CCM Mid-Cap AlIianz NFJ Dividend Value AlIianz NFJ Small
Cap Value Allianz OpCap Renaissance Fund AlIianz OpC ap Value Alger Capital
Appreciation Institutional Alger Small/Cap Growth Institutional American
Century@ Emerging Markets American Century@ Equity Growth American Century@
Equity Income American Century@ Ginnie Mae American Century@ Growth American
Century@ Heritage American Century@ Inflation-Adjusted Bond American Century@
International Growth American Century@ New Opportunities II American Century@
Large Company Value American Century@ Real Estate American Century@ Select
American Century@ Strategic Allocation: Aggressive American Century@ Strategic
Allocation: Conservative American Century@ Strategic Allocation: Moderate
American Century@ Ultra

GBERTDA-K(SV A)

AIM Basic Value Fund (A Class) AIM Capital Development Fund (Instl) AIM Dynamics
Fund (Investor) AIM Energy Fund (K Class) AIM Financial Services Fund (K Class)
AIM Global Equity Fund (A Class) AIM Global Health Care Fund (K Class) AIM
International Growth Fund (Instl) AIM Leisure Fund (K Class) AIM Mid Cap Core
Equity Fund (R Class) AIM Small Cap Growth Fund (R Class) AIM Technology Fund (K
Class) AlIianceBernstein Focused Growth & Income Fund (R Class)
AlIianceBernstein Global Value Fund (R Class) AlIianceBernstein International
Growth Fund (R Class) AlIianceBernstein International Value Fund (R Class)
AlIianceBernstein Mid-Cap Growth Fund (R Class) AlIianceBernstein SmalI/Mid Cap
Value Fund (R Class) AlIianceBernstein Small-Cap Growth Fund (R Class)
AlIianceBernstein Value Fund (R Class) AlIianz CCM Capital Apprecitaion Fund (R
Class) AlIianz CCM Mid-Cap Fund (Admin) AlIinaz NFJ Dividend Value (R Class)
AlIianz NFJ Small Cap Value (R Class) AlIianz OpCap Renaissance Fund (R Class)
AlIianz OpCap Value Fund (R Class) Alger Capital Appreciation Institutional (R
Class) Alger Small/Cap Growth Institutional (R Class) American Century@ Emerging
Markets (Inv) American Century@ Equity Growth Fund (Advisor Class) American
Century@ Equity Income Fund (Advisor Class) American C entury@ Ginnie Mae Fu nd
(Advisor Class) American Century@ Growth Fund (Advisor Class) American Century@
Heritage Fund (Advisor Class) American Century@ Inflation-Adjusted Bond Fund
(Advisor Class) American Century@ International Growth Fund (Advisor Class)
American Century@ New Opportunities II Fund (A Class) American Century@ Large
Company Value Fund (Advisor Class) American Century@ Real Estate (Advisor Class)
American Century@ Select Fund (Advisor Class) American Century@ Strategic
Allocation: Aggressive Fund (Advisor Class) American Century@ Strategic
Allocation: Conservative Fund (Advisor Class) American Century@ Strategic
Allocation: Moderate Fund (Advisor Class) American Century@ Ultra Fund (Advisor
Class)

(SBR)

32



American Century@ Vista Fund American Funds AMCAP American Funds American High
Income Trust American Funds Capital World Growth & Income American Funds
EuroPacific Growth American Funds Fundamental Investors American Funds Growth
Fund of America American Funds Intermediate Bond Fund of America Dreyfus Premier
Future Leaders Dreyfys Premier Health Care Dreyfus Premier New Leaders Dreyfus
Premier Structured MidCap Dreyfus Premier Third Century Dreyfus Premier
Worldwide Growth Fidelity@ Advisor Dividend Growth Fidelity@ Advisor Dynamic
Capital Appreciation Fidelity@ Advisor Equity Growth Fidelity@ Advisor Equity
Income Fidelity@ Advisor Fifty Fidelity@ Advisor Freedom 2010 Fidelity@ Advisor
Freedom 2015 Fidelity@ Advisor Freedom 2020 Fidelity@ Advisor Freedom 2025
Fidelity@ Advisor Freedom 2030 Fidelity@ Advisor Freedom 2035 Fidelity@ Advisor
Freedom 2040 Fidelity@ Advisor Freedom 2045 Fidelity@ Advisor Freedom 2050
Fidelity@ Advisor Freedom Income Fidelity@ Advisor Growth & Income Fidelity@
Advisor Growth Opportunities Fidelity@ Advisor Leveraged Company Stock Fidelity@
Advisor New Insights Fidelity@ Advisor Small Cap Fifth Third Mid Ca p Growth
Fifth Third Multi Ca p Value Fifth Third Quality Growth Fifth Third Strategic
Income First American Mid-Cap Growth Opportunities First American Mid-C ap Value
First American Small Cap Select First American Small Cap Value First American
Strategy Growth Allocation Franklin Capital Growth Franklin Flex Cap Growth
Franklin Small Mid Cap Growth Franklin Strategic Income Goldman Sachs Mid-Cap
Value Goldman Sachs Small Cap Value Goldman Sachs Strategic Growth Goldman Sachs
Tollkeeper Janus Adviser Forty Janus Adviser Growth and Income Janus Adviser
INTECH Risk-Managed Growth Janus Adviser Mid Cap Value Janus Adviser Small
Company Value Lord Abbett Developing Growth

GBERTDA-K(SVA)

American Century@ Vista Fund (Advisor Class) American Funds AMCAP (R3 Class)
American Funds American High Income Trust (R3 Class) American Funds Capital
World Growth & In come (R3 Class) American Funds EuroPacific Growth (R3 Class)
American Funds Fundamental Investors (R3 Class) American Funds Growth Fund of
America (R3 Class) American Funds Intermediate Bond Fund of America (R3 Class)
Dreyfus Premier Future Leaders Fund (T Class) Dreyfus Premier Health Care Fund
(R Class) Dreyfus Premier New Leaders Fund (T Class) Dreyfus Premier Structured
MidCap Fund (T Class) Dreyfus Premier Third Century Fund (T Class) Dreyfus
Premier Worldwide Growth Fund (T Class) Fidelity@ Advisor Dividend Growth Fund
(T Class) Fidelity@ Advisor Dynamic Capital Appreciation Fund (T Class)
Fidelity@ Advisor Equity Growth Fund (T Class) Fidelity@ Advisor Equity Income
Fund (T Class) Fidelity@ Advisor Fifty Fund (A Class) Fidelity@ Advisor Freedom
2010 Fund (T Class) Fidelity@ Advisor Freedom 2015 Fund (T Class) Fidelity@
Advisor Freedom 2020 Fund (T Class) Fidelity@ Advisor Freedom 2025 Fund (T
Class) Fidelity@ Advisor Freedom 2030 Fund (T Class) Fidelity@ Advisor Freedom
2035 Fund (T Class) Fidelity@ Advisor Freedom 2040 Fund (T Class) Fidelity@
Advisor Freedom 2045 Fund (T Class) Fidelity@ Advisor Freedom 2050 Fund (T
Class) Fidelity@ Advisor Freedom Income Fund (T Class) Fidelity@ Advisor Growth
& Income Fund (T Class) Fidelity@ Advisor Growth Opportunities Fund (T Class)
Fidelity@ Advisor Leveraged Company Stock (T Class) Fidelity@ Advisor New
Insights Fund (T Class) Fidelity@ Advisor Small Cap (T Class) Fifth Third Mid
Cap Growth Fund (Advisor Class) Fifth Third Multi Cap Value Fund (Advisor Class)
Fifth Third Quality Growth Fund (Advisor Class) Fifth Third Strategic Income
Fund (Advisor Class) First American Mid-Cap Growth Opportunities (R Class) First
American Mid-Cap Value (R Class) First American Small Cap Select (R Class) First
American Small Cap Value (R Class) First American Strategy Growth Allocation (R
Class) Franklin Capital Growth Fund (R Class) Franklin Flex Cap Growth Fund (R
Class) Franklin Small Mid Cap Growth Fund (R Class) Franklin Strategic Income
Fund (R Class) Goldman Sachs Mid-Cap Value (Inst Class) Goldman Sachs Small Cap
Value (Inst Class) Goldman Sachs Strategic Growth (Inst Class) Goldman Sachs
Tollkeeper (Inst Class) Janus Adviser Forty Fund (R Class) Janus Adviser Growth
and Income Fund (R Class) Janus Adviser INTECH Risk-Managed Growth Fund (I
Class) Janus Adviser Mid Cap Value Fund (SVC) Janus Adviser Small Company Value
Fund (I Class) Lord Abbett Developing Growth Fund (P Class)

(SBR)

33



Lord Abbett Growth Opportunities Lord Abbett Small-Cap Blend Marshall Mid-Cap
Growth Marshall Mid-Cap Value Marshall Small-Cap Growth Neuberger Berman
Fasciano Neuberger Berman Focus Neuberger Berman Millennium Neuberger Berman
Partners OneAmerica@ Asset Director OneAmerica@ Investment Grade Bond
OneAmerican Socially Responsive Portfolio OneAmerica@Value Oppenheimer Global
Oppenheimer International Bond Oppenheimer Main Street Opportunity Oppenheimer
Small Cap Oppenheimer Strategic Income PIMCO High Yield PIMCO Total Return
Pioneer Pioneer Bond Pioneer Emerging Markets Pioneer High Yield Pioneer Mid-Cap
Value Pioneer Oak Ridge Large Ca p Growth Pioneer Small Cap Value Russell 2010
Strategy Russell 2020 Strategy Russell 2030 Strategy Russell 2040 Strategy
Russell LifePoints Balanced Russell LifePoints Conservative Russell LifePoints
Equity Growth Strategy Russell LifePoints Growth Strategy Russell LifePoints
Moderate State Street Equity 500 Index T. Rowe Price Blue Chip Growth T. Rowe
Price Equity Income T. Rowe Price Growth Stock T. Rowe Price International
Growth & Income T. Rowe Price International Stock Templeton Foreign Templeton
Growth Thornburg Core Growth Thornburg International Value Thornburg
Limited-Term Income Thornburg Value Timothy Conservative Growth Timothy
Strategic Growth

GBERTDA-K(SV A)

Lord Abbett Growth Opportunities Fund (P Class) Lord Abbett Small-Cap Blend Fund
(P Class) Marshall Mid-Cap Growth Fund (Investor Class) Marshall Mid-Cap Value
Fund (Investor Class) Marshall Small-Cap Growth Fund (Investor Class) Neuberger
Berman Fasciano Fund (Advisor Class) Neuberger Berman Focus Fund (Advisor Class)
Neuberger Berm an Millennium Fund (Advisor Class) Neuberger Berman Partners Fund
(Advisor Class) OneAmerica@ Asset Director Portfolio (Advisor Class) OneAmerica@
Investment Grade Bond Portfolio (Advisor Class) OneAmerica Socially Responsive
Portfolio (0 Class) OneAmerica@ Value Portfolio (Advisor Class) Oppenheimer
Global Fund (N Class) Oppenheimer International Bond Fund (N Class) Oppenheimer
Main Street Op portunity Fund (N Class) Oppenheimer Small Cap Fund (A Class)
Oppenheimer Strategic Income Fund (A Class) PIMCO High Yield Fund (R Class)
PIMCO Total Return Fund (R Class) Pioneer Fund (R Class) Pioneer Bond Fund (R
Class) Pioneer Emerging Markets (A Class) Pioneer High Yield Fund (R Class)
Pioneer Mid-Cap Value Fund (R Class) Pioneer Oak Ridge Large Cap Growth Fund (R
Class) Pioneer Small Cap Value Fund (R Class) Russell 2010 Strategy Fund (D
Class) Russell 2020 Strategy Fund (D Class) Russell 2030 Strategy Fund (D Class)
Russell 2040 Strategy Fund (D Class) Russell LifePoints Balanced Strategy Fund
(D Class) Russell LifePoints Conservative Strategy Fund (D Class) Russell
LifePoints Equity Growth Strategy Fund (D Class) Russell LifePoints Growth
Strategy Fund (D Class) Russell LifePoints Moderate Strategy Fund (D Class)
State Street Equity 500 Index T. Rowe Price Blue Chip Growth Fund (R Class) T.
Rowe Price Equity Income Portfolio (R Class) T. Rowe Price Growth Stock Fund (R
Class) T. Rowe Price International Growth & Income Fund (R Class) T. Rowe Price
International Stock Fund (R Class) Templeton Foreign Fund (R Class) Templeton
Growth Fund (R Class) Thornburg Core Growth Fund (R Class) Thornburg
International Value Fund (R Class) Thornburg Limited-Term Income Fund (R Class)
Thornburg Value Fund (R Class) Timothy Conservative Growth Fund (A Class)
Timothy Strategic Growth Fund (A Class)]

(SBR)

34