AMENDMENT NO. 1 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 1 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective December 1, 1992, will add two new portfolios consisting of the Global Portfolio and the Short-to-Intermediate Government Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the Global Portfolio and the Short-to-Intermediate Government Portfolio of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of December 1, 1992.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/John R. Kenney	By: /s/William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Secretary

AMENDED

SCHEDULE B

Effective December 1, 1992

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio

AMENDMENT NO. 2 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 2 to the Participation Agreement ("Agreement"), dated February 27, 1991, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the WRL Freedom Attainer Variable Annuity, the WRL Freedom Bellwether Variable Annuity and the WRL Freedom Conqueror Variable Annuity (collectively, the "Policies").

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policies, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 2, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED

that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Attainer Variable Annuity, the WRL Freedom Bellwether Variable Annuity and the WRL Freedom Conqueror Variable Annuity to the list of "Policies"; and to add the Emerging Growth Portfolio and Strategic Total Return Portfolio of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of January 1, 1993.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/John R. Kenney	By: /s/William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive officer and President	Title: Secretary

AMENDED

SCHEDULE B

Effective January 1, 1993

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio

AMENDMENT NO. 3 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 3 to the Participation Agreement ("Agreement"), dated February 27, 1991, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Life Account, the WRL Freedom Wealth Protector variable life product (the "Policy"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No.3, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Life Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Wealth Protector variable life product to the list of "Policies"; and to add the Growth & Income Portfolio, the Balanced Portfolio and the Aggressive Growth Portfolio of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of February 1, 1994.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Secretary

AMENDED

SCHEDULE B

Effective February 1, 1994

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio

AMENDMENT NO. 4 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 4 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective January 3, 1995, will add one new portfolio consisting of the Tactical Asset Allocation Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the Tactical Asset Allocation Portfolio of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of January 3, 1995.

WESTERN RESERVE LIFE ASSURANCE CO. OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective January 3, 1995

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio

AMENDMENT NO. 5 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 5 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May 1, 1995, will add three new portfolios consisting of the C.A.S.E. Growth Portfolio, C.A.S.E. Quality Growth Portfolio and C.A.S.E. Growth & Income Portfolio; and

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the C.A.S.E. Reserve Variable Annuity (the "Policy"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 5, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the C.A.S.E. Reserve Variable Annuity to the list of "Policies"; and to add the C.A.S.E. Growth Portfolio, C.A.S.E. Quality Growth Portfolio, and the C.A.S.E. Growth & Income Portfolio of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

May 1, 1995.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective May 1, 1995

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	C.A.S.E. Quality Growth Portfolio
	C.A.S.E. Growth & Income Portfolio

AMENDMENT NO.6 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 6 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective October 1, 1995, will add one new portfolio consisting of the GE/Scottish Equitable International Equity Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the GE/Scottish Equitable International Equity Portfolio of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of October 1, 1995.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective October 1, 1995

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	C.A.S.E. Quality Growth Portfolio
	C.A.S.E. Growth & Income Portfolio
	GE/Scottish Equitable International Equity Portfolio

AMENDMENT NO.7 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 7 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May 1, 1996, will add four new portfolios consisting of the Global Sector Portfolio, the US Sector Portfolio, the Foreign Sector Portfolio, and the Value Equity Portfolio; and

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the Meridian Sector Variable Annuity product (the "Policy"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 7, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the Meridian Sector Variable Annuity product to the list of "Policies"; and to add the Global Sector Portfolio, the US Sector Portfolio, the Foreign Sector Portfolio and the Value Equity Portfolio of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

May 1, 1996.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective May I, 1996

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	C.A.S.E. Quality Growth Portfolio
	C.A.S.E. Growth & Income Portfolio
	GE/Scottish Equitable International Equity Portfolio
	Global Sector Portfolio
	US Sector Portfolio
	Foreign Sector Portfolio
	Value Equity Portfolio

AMENDMENT NO. 8 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 8 to the Participation Agreement ("Agreement"), dated February 27, I99I, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective January I, I997, will add one new portfolio consisting of the U.S. Equity Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the U.S. Equity Portfolio of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of January 1, I997.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective January 1, 1997

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	C.A.S.E. Quality Growth Portfolio
	C.A.S.E. Growth & Income Portfolio
	GE/Scottish Equitable International Equity Portfolio
	Global Sector Portfolio
	US Sector Portfolio
	Foreign Sector Portfolio
	Value Equity Portfolio
	U.S. Equity Portfolio

AMENDMENT NO. 9 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 9 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the WRL Freedom Wealth Creator Variable Annuity, and WRL will offer, through its WRL Series Life Account, the WRL Financial Freedom Builder variable life product (collectively, the "Policies"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policies, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 9, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity

Account and its WRL Series Life Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation

Agreement is hereby amended to add the WRL Freedom Wealth Creator Variable Annuity and the WRL Financial Freedom Builder variable life product to the list of "Policies".

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

July 25, 1997.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective July 25, 1997

Account( s ), Policy(ies) and Portfolio( s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Short-to-Intermediate Government Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	C.A.S.E. Quality Growth Portfolio
	C.A.S.E. Growth & Income Portfolio
	GE/Scottish Equitable International Equity Portfolio
	Global Sector Portfolio
	US Sector Portfolio
	Foreign Sector Portfolio
	Value Equity Portfolio
	U.S. Equity Portfolio

AMENDMENT NO. 10 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 10 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective January 2, 1998, will add one new portfolio consisting of the Third Avenue Value Portfolio. Also, effective December 27, 1997 the following Portfolios were terminated and are no longer offered through the Policies: Short-to-Intermediate Government Portfolio, C.A.S.E. Quality Growth Portfolio, C.A.S.E. Growth & Income Portfolio, U.S. Sector Portfolio, Global Sector Portfolio and Foreign Sector Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the Third Avenue Value Portfolio, and to delete the Short-to-Intermediate Government Portfolio, to delete the C.A.S.E. Quality Growth Portfolio, to delete the C.A.S.E. Growth & Income Portfolio, to delete the U.S. Sector Portfolio, to delete the Global Sector Portfolio and to delete the Foreign Sector Portfolio of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of January 2, 1998.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective January 2, 1998

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	Value Equity Portfolio
	GE International Equity Portfolio
	U.S. Equity Portfolio
	Third Avenue Value Portfolio

AMENDMENT NO. 11 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 11 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May 3, 1998, will add one new portfolio consisting of the J.P. Morgan Real Estate Securities Portfolio.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the J.P. Morgan Real Estate Securities Portfolio of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

May 3, 1998.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective May 3, 1998

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	Value Equity Portfolio
	GE International Equity Portfolio
	U.S. Equity Portfolio
	Third Avenue Value Portfolio
	J.P. Morgan Real Estate Securities Portfolio

AMENDMENT NO. 12 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 12 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Life Account, the WRL Freedom Elite and WRL Freedom Navigator variable life products (collectively, the "Policies"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policies, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 12, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value;

and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Life

Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the

Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Elite and WRL Freedom Navigator variable life products to the list of "Policies".

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of January 2, 1999.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULE B

Effective January 2, 1999

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
Portfolios:	Growth Portfolio
	Bond Portfolio
	Money Market Portfolio
	Global Portfolio
	Strategic Total Return Portfolio
	Emerging Growth Portfolio
	Growth & Income Portfolio
	Aggressive Growth Portfolio
	Balanced Portfolio
	Tactical Asset Allocation Portfolio
	C.A.S.E. Growth Portfolio
	Value Equity Portfolio
	GE International Equity Portfolio
	U.S. Equity Portfolio
	Third Avenue Value Portfolio
	J.P. Morgan Real Estate Securities Portfolio

AMENDMENT NO. 13 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 13 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May 3, 1999, will add seven new portfolios consisting of the T. Rowe Price Dividend Growth, the T. Rowe Price Small Cap, the Dreyfus Mid Cap, the Goldman Sachs Growth, the Goldman Sachs Small Cap, the Salomon All Cap and the Pilgrim Baxter Mid Cap Growth.

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the T. Rowe Price Dividend Growth, the T. Rowe Price Small Cap, the Dreyfus Mid Cap, the Goldman Sachs Growth, the Goldman Sachs Small Cap, the Salomon All Cap and the Pilgrim Baxter Mid Cap Growth Portfolios of the WRL Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

May 3, 1999.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ John R. Kenney	By: /s/ William H. Geiger
John R. Kenney	William H. Geiger
Title: Chairman of the Board, Chief Executive Officer and President	Title: Assistant Secretary

AMENDED

SCHEDULES

Effective May 3, 1999

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	VKAM Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	AEGON Balanced
	Dean Asset Allocation
	C.A.S.E. Growth
	NWQ Value Equity
	GE International Equity
	GE U.S. Equity
	Third Avenue Value
	J.P. Morgan Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap
	Dreyfus Mid Cap
	Goldman Sachs Growth
	Goldman Sachs Small Cap
	Salomon All Cap
	Pilgrim Baxter Mid Cap Growth

AMENDMENT NO. 14 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 14 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the WRL Freedom Premier Variable Annuity, the WRL Freedom Access Variable Annuity, and the WRL Freedom Enhancer Variable Annuity (collectively, the "Policies"); and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policies, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 14, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Premier Variable Annuity, the WRL Freedom Access Variable Annuity and the WRL Freedom Enhancer Variable Annuity to the list of "Policies".

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of February 1, 2000.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective February 1, 2000

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	VKAM Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	AEGON Balanced
	Dean Asset Allocation
	C.A.S.E. Growth
	NWQ Value Equity
	GE International Equity
	GE U.S. Equity
	Third Avenue Value
	J.P. Morgan Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap

AMENDED SCHEDULE B (continued)

Portfolios:	Dreyfus Mid Cap
	Goldman Sachs Growth
	Goldman Sachs Small Cap
	Salomon All Cap
	Pilgrim Baxter Mid Cap Growth

AMENDMENT NO. 15 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 15 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May I, 2000, will add three new portfolios consisting of the Great Companies- Americasm, the Great Companies- Technologysm, and the Value Line Aggressive Growth of the WRL Series Fund, Inc.; and

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the Great Companies -Americasm , the Great Companies Technology sm, and the Value Line Aggressive Growth of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of May I, 2000.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULES

Effective May 1, 2000

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	VKAM Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	AEGON Balanced
	Dean Asset Allocation
	C.A.S.E. Growth
	NWQ Value Equity
	GE International Equity
	GE U.S. Equity
	Third Avenue Value
	J.P. Morgan Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap

AMENDED SCHEDULE B (continued)

Portfolios:	Dreyfus Mid Cap
	Goldman Sachs Growth
	Goldman Sachs Small Cap
	Salomon All Cap
	Pilgrim Baxter Mid Cap Growth
	Great Companies -America sm
	Great Companies- Technology sm
	Value Line Aggressive Growth

AMENDMENT NO. 16 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 16 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the WRL Freedom Select Variable Annuity (the "Policy"); and

WHEREAS, the Fund, effective September 1, 2000, will add two new portfolios consisting of the Great Companies- Global2, and the Gabelli Global Growth of the WRL Series Fund, Inc.; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 16, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Select Variable Annuity to the list of "Policies", and to add the Great Companies Global2  and the Gabelli Global Growth of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of September 1, 2000.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective September I, 2000

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	VKAM Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	AEGON Balanced
	Dean Asset Allocation
	C.A.S.E. Growth
	NWQ Value Equity
	GE International Equity
	GE U.S. Equity
	Third Avenue Value
	J.P. Morgan Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap

AMENDED SCHEDULE B (continued)

Portfolios:	Dreyfus Mid Cap
	Goldman Sachs Growth
	Goldman Sachs Small Cap
	Salomon All Cap
	Pilgrim Baxter Mid Cap Growth
	Great Companies -America sm
	Great Companies- Technology sm
	Value Line Aggressive Growth
	Great Companies- Global2
	Gabelli Global Growth

AMENDMENT NO. 17 TO

PARTICIPATION AGREEMENT

BETWEEN

WRL SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 17 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between WRL Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Life Account, the WRL Freedom Elite Builder variable insurance product (the "Policy"); and

WHEREAS, the Fund, effective May 1, 2001, will add one new portfolio consisting of the LKCM Capital Growth of the WRL Series Fund, Inc.; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 17, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

WHEREAS, the Fund's Board of Directors, at a meeting held on March 26,2001, approved resolutions for the following changes to go into effect May 1, 2001: a name change for the Fund to AEGON/Transamerica Series Fund, Inc.; a name change for the WRL VKAM Emerging Growth portfolio to Van Kampen Emerging Growth; and a change in name and sub-adviser for the WRL Goldman Sachs Small Cap portfolio to Munder Net50 to be sub-advised by Munder Capital Management; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Life Account, will purchase and redeem shares issued by AEGON/Transamerica Series Fund, Inc., subject to the terms and conditions of the Participation Agreement. It is also agreed that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Elite Builder variable insurance policy issued by WRL to the list of" Policies," and to add the LKCM Capital Growth, and the Munder Net50 to the list of" Portfolios" of the AEGON/Transamerica Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of May 1, 2001.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	WRL SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective May 1, 2001

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	Van Kampen Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	AEGON Balanced
	Dean Asset Allocation
	C.A.S.E. Growth
	NWQ Value Equity
	GE International Equity
	GE U.S. Equity
	Third Avenue Value
	J.P. Morgan Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap

AMENDED SCHEDULE B (continued)

Portfolios:	Dreyfus Mid Cap
	Goldman Sachs Growth
	Goldman Sachs Small Cap
	Salomon All Cap
	Pilgrim Baxter Mid Cap Growth
	Great Companies -America sm
	Great Companies- Technology sm
	Value Line Aggressive Growth
	Great Companies- Global2
	Gabelli Global Growth
	Munder Net50
	LKCM Capital Growth

AMENDMENT NO. 18 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 18 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, the Fund, effective May 1, 2002, will add 14 new portfolios and five portfolios will have name changes and two portfolios will be deleted due to mergers; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value; and

WHEREAS, the Fund's Board of Directors, at a meeting held on March 18, 2002, approved resolutions for the following changes to go into effect May 1, 2002: a name change for the J.P. Morgan Money Market to Transamerica Money Market due to a change in sub-adviser from J.P. Morgan Investment Management Inc. to Transamerica Investment Management, LLC; a name change of the Dean Asset Allocation to Transamerica Value Balanced due to a change in sub-adviser from Dean Investment Associates to Transamerica Investment Management, LLC; a name change for the NWQ Value Equity to PBHG/NWQ Value Select due to the addition of a co-sub-adviser, Pilgrim Baxter & Associates, Ltd.; a name change of the J.P. Morgan Real Estate Securities to Clarion Real Estate Securities due to a change in sub-adviser from J.P. Morgan Investment Management Inc. to Clarion CRA Securities, LP; a name change for the GE International Equity to American Century International due to a change of sub-adviser from GE Asset Management Incorporated to American Century Investment Management, Inc.; deletion of the C.A.S.E. Growth due to a merger into Great Companies- America; deletion of the AEGON Balanced due to a merger into Janus Balanced; the addition of American Century International, Aggressive Asset Allocation, Conservative Asset Allocation, Moderate Asset Allocation, Moderately Aggressive Asset Allocation, Transamerica Equity, Transamerica Growth Opportunities, Transamerica U.S. Government Securities, Transamerica Convertible Securities, Capital Guardian U.S. Equity, Capital Guardian Value, J.P. Morgan Enhanced Index, Janus Balanced, and PIMCO Total Return; and

NOW, THEREFORE, IT IS HEREBY AGREED that Schedule B to the Participation Agreement is hereby amended to add the American Century International, Aggressive Asset Allocation, Conservative Asset Allocation, Moderate Asset Allocation, Moderately Aggressive Asset Allocation, Transamerica Equity, Transamerica Growth Opportunities, Transamerica Convertible Securities, Transamerica U.S. Government Securities, Capital Guardian U.S. Equity, Capital Guardian Value, J.P.Morgan Enhanced Index, Janus Balanced, and PIMCO Total Return to the list of" Portfolios" of the AEGON/Transamerica Series Fund, Inc.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of May I, 2002.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective May 1, 2002

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
Portfolios:	Janus Growth
	AEGON Bond
	J. P. Morgan Money Market
	Janus Global
	LKCM Strategic Total Return
	Van Kampen Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	Janus Balanced
	Transamerica Value Balanced
	PBHG/NWQ Value Select
	American Century International
	GE U.S. Equity
	Third Avenue Value
	Clarion Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap
	Dreyfus Mid Cap
	Goldman Sachs Growth
	Salomon All Cap
	PBHG Mid Cap Growth

AMENDED SCHEDULE B (continued)

Portfolios:	Great Companies -America sm
	Great Companies- Technology sm
	Value Line Aggressive Growth
	Great Companies- Global2
	Gabelli Global Growth
	Munder Net50
	LKCM Capital Growth
	Transamerica Equity
	Transamerica Growth Opportunities
	Transamerica U.S. Government Securities
	Transamerica Convertible Securities
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Aggressive Asset Allocation
	Conservative Asset Allocation
	Moderate Asset Allocation
	Moderately Aggressive Asset Allocation
	PIMCO Total Return
	J.P. Morgan Enhanced Index

AMENDMENT NO. 19 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 19 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL will offer, through its WRL Series Life Account, the WRL Freedom Elite Advisor variable life insurance policy (the "Policy"); and

WHEREAS, the Fund, effective November 1, 2002, will have a name change due to a change of sub-adviser; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. I9, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund's Board of Directors, at a meeting held on September 9, 2002, approved resolutions for the following change to go into effect November 1, 2002: a name change for the Goldman Sachs Growth to Marsico Growth due to a change in sub-adviser from Goldman Sachs Asset Management to Marsico Capital Management, LLC; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Life Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Elite Advisor variable life insurance policy to the list of "Policies", and to add Marsico Growth of the Fund to the list of Designated Portfolios of the Fund.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of November 1, 2002.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective November 1, 2002

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
Portfolios:	AEGON/Transamerica Series Fund, Inc.
	Janus Growth
	AEGON Bond
	Transamerica Money Market
	Janus Global
	LKCM Strategic Total Return
	Van Kampen Emerging Growth
	Federated Growth & Income
	Alger Aggressive Growth
	Janus Balanced
	Transamerica Value Balanced
	PBHG/NWQ Value Select
	American Century International
	GE U.S. Equity
	Third Avenue Value
	Clarion Real Estate Securities
	T. Rowe Price Dividend Growth
	T. Rowe Price Small Cap
	Dreyfus Mid Cap
	Marsico Growth
	Salomon All Cap
	PBHG Mid Cap Growth

AMENDED SCHEDULE B (continued)

Portfolios:	Great Companies - America sm
	Great Companies- Technology sm
	Value Line Aggressive Growth
	Great Companies- Global2
	Gabelli Global Growth
	Munder Net50
	LKCM Capital Growth
	Transamerica Equity
	Transamerica Growth Opportunities
	Transamerica U.S. Government Securities
	Transamerica Convertible Securities
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Aggressive Asset Allocation
	Conservative Asset Allocation
	Moderate Asset Allocation
	Moderately Aggressive Asset Allocation
	PIMCO Total Return
	J.P. Morgan Enhanced Index

AMENDMENT NO. 20 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 20 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL has registered or will register the WRL Freedom Premier II, WRL Freedom Access II and WRL Freedom Enhancer II variable annuity contracts (the "Contracts") under the Securities Act of 1933; and

WHEREAS, WRL will offer, through its WRL Series Annuity Account, the WRL Freedom Premier II, the WRL Freedom Access II and the WRL Freedom Enhancer II variable annuity contracts; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Contracts, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 20, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund's Board of Directors approved resolutions for the following changes to go into effect Apri130, 2003: a name change of the Conservative Asset Allocation to Asset Allocation- Conservative Portfolio, the Aggressive Asset Allocation to Asset Allocation- Growth Portfolio, the Moderate Asset Allocation to Asset Allocation -Moderate Portfolio, and the Moderately Aggressive Asset Allocation to Asset Allocation Moderate Growth Portfolio; the merger of LKCM Capital Growth into Transamerica Equity; the merger of Gabelli Global Growth into American Century International; the merger of T. Rowe Price Dividend Growth into T. Rowe Price Equity Income; and the merger of Value Line Aggressive Growth into Alger Aggressive Growth; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Contracts at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Annuity Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Premier II, WRL Freedom Access II, and WRL Freedom Enhancer II variable annuity contracts to the list of "Policies". It is also hereby agreed that Schedule A to this Agreement will be amended to: add the new classes of shares for each portfolio of the Fund; and to reflect the various name changes to certain portfolios due to the mergers listed above.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of May 1, 2003.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES CO. FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective May 1, 2003

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Navigator
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
Portfolios:	AEGON/Transamerica Series Fund, Inc.
	AEGON Bond
	Alger Aggressive Growth
	Asset Allocation- Conservative Portfolio
	Asset Allocation- Growth Portfolio
	Asset Allocation- Moderate Portfolio
	Asset Allocation - Moderate Growth Portfolio
	American Century International
	American Century Income & Growth
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Clarion Real Estate Securities
	Dreyfus Mid Cap
	Dreyfus Small Cap Value
	Federated Growth & Income
	GE U.S. Equity
	Great Companies - America sm
	Great Companies- Global2
	Great Companies -Technology sm
	J.P. Morgan Enhanced Index
	Janus Balanced
	Janus Global
	Janus Growth

AMENDED SCHEDULE B (continued)

Portfolios:	LKCM Strategic Total Return
	Marsico Growth
	MFS High Yield
	Munder Net50
	PBHG/NWQ Value Select
	PBHG Mid Cap Growth
	PIMCO Total Return
	Salomon All Cap
	T. Rowe Price Equity Income
	T. Rowe Price Small Cap
	Third Avenue Value
	Transamerica Equity
	Transamerica Convertible Securities
	Transamerica Growth Opportunities
	Transamerica Money Market
	Transamerica U.S. Government Securities
	Transamerica Value Balanced
	Van Kampen Emerging Growth

AMENDMENT NO. 21 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 21 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL has registered or will register the WRL Freedom Navigator variable annuity contract and the WRL Xcelerator variable life insurance policy (the "Policies") under the Securities Act of 1933; and

WHEREAS, WRL has, by resolution of its Board of Directors, duly organized and established the Separate Account VA U (the "Account") as a segregated asset account to receive, set aside and invest assets attributable to net premiums and payments received under the contract and such variable annuity contract will be partly funded by the Fund; and

WHEREAS, WRL has registered or will register the Account as a unit investment trust under the Investment Company Act of 1940, as amended; and

WHEREAS, WRL will offer, through its Separate Account VA U, the WRL Freedom Navigator variable annuity contract and through its WRL Series Life Account, the WRL Xcelerator variable life insurance policy; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policies, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 21, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund's Board of Directors approved resolutions for the following changes to go into effect September 15, 2003: a name change of the Great Companies- Global 2 to Templeton Great Companies Global; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policies at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its Separate Account VA U and WRL Series Life Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Navigator variable annuity contract and WRL Xcelerator variable life insurance policy to the list of "Policies". It is also hereby agreed that Schedule A to this Agreement will be amended to reflect the name change of the Great Companies- Global 2 portfolio.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of September 1, 2003.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective September 1, 2003

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
	WRL Freedom Navigator
	WRL Xcelerator
Portfolios:	AEGON/Transamerica Series Fund, Inc. - each Portfolio has an Initial Class and a Service
	Class of Shares
	AEGON Bond
	Alger Aggressive Growth
	Asset Allocation - Conservative Portfolio
	Asset Allocation - Growth Portfolio
	Asset Allocation - Moderate Portfolio
	Asset Allocation - Moderate Growth Portfolio
	American Century International
	American Century Income & Growth
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Clarion Real Estate Securities
	Dreyfus Mid Cap
	Dreyfus Small Cap Value
	Federated Growth & Income
	GE U.S. Equity
	Great Companies - America sm
	Great Companies - Technology sm
	J.P. Morgan Enhanced Index
	Janus Balanced
	Janus Global

AMENDED SCHEDULE B (continued)

Portfolios:	Janus Growth
	LKCM Strategic Total Return
	Marsico Growth
	MFS High Yield
	Munder Net50
	PBHGINWQ Value Select
	PBHG Mid Cap Growth
	PIMCO Total Return
	Salomon All Cap
	Templeton Great Companies Global
	T. Rowe Price Equity Income
	T. Rowe Price Small Cap
	Third Avenue Value
	Transamerica Equity
	Transamerica Convertible Securities
	Transamerica Growth Opportunities
	Transamerica Money Market
	Transamerica U.S. Government Securities
	Transamerica Value Balanced
	Van Kampen Emerging Growth

AMENDMENT NO. 22 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 22 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL has registered or will register the WRL Freedom Wealth Builder variable life insurance policy (the "Policy") under the Securities Act of 1933; and

WHEREAS, WRL will offer, through its WRL Series Life Account, the WRL Freedom Wealth Builder variable life insurance policy; and

WHEREAS, WRL has changed the name of the WRL Freedom Navigator variable annuity contract to WRL Freedom Premier III variable annuity contract; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Policy, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 22, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Policy at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its WRL Series Life Account, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Wealth Builder variable life insurance policy to the list of "Policies" and to reflect the name change of the WRL Freedom Navigator to WRL Freedom Premier III.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of December 1, 2003.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective December l, 2003

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
	WRL Freedom Premier III
	WRL Xcelerator
	WRL Freedom Wealth Builder
Portfolios:	AEGON/Transamerica Series Fund, Inc.- each Portfolio has an Initial Class and a Service
	Class of Shares
	AEGON Bond
	Alger Aggressive Growth
	Asset Allocation - Conservative Portfolio
	Asset Allocation - Growth Portfolio
	Asset Allocation - Moderate Portfolio
	Asset Allocation - Moderate Growth Portfolio
	American Century International
	American Century Income & Growth
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Clarion-Real-Estate Securities
	Dreyfus Mid Cap
	Dreyfus Small Cap Value
	Federated Growth & Income
	GE U.S. Equity
	Great Companies - America sm
	Great Companies - Technology sm
	J.P. Morgan Enhanced Index
Portfolios:	Janus Balanced
	Janus Global
	Janus Growth
	LKCM Strategic Total Return
	Marsico Growth
	.MFS High Yield
	Munder Net50
	PBHG/NWQ Value Select
	PBHG Mid Cap Growth
	PIMCO Total Return
	Salomon All Cap
	Templeton Great Companies Global
	T. Rowe Price Equity Income
	T. Rowe Price Small Cap
	Third Avenue Value
	Transamerica Equity
	Transamerica Convertible Securities
	Transamerica Growth Opportunities
	Transamerica Money Market
	Transamerica U.S. Government Securities
	Transamerica Value Balanced
	Van Kampen Emerging Growth

AMENDMENT NO. 23 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 23 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, WRL has registered or will register the WRL Freedom Multiple variable annuity contract (the "Contract") under the Securities Act of 1933; and

WHEREAS, WRL will offer, through its Separate Account VA V, the WRL Freedom Multiple variable annuity contract; and

WHEREAS, to the extent permitted by applicable insurance law and regulation, WRL intends to purchase shares in one or more of the Portfolios of the Fund to fund the Contract, as specified in Schedule B attached to the Agreement, as such Schedule B is amended by this Amendment No. 23, and as Schedule B may be amended from time to time; and

WHEREAS, the Fund's Board of Directors approved resolutions for the following changes to go into effect April30, 2004: a name change of the following portfolios: Dreyfus Mid Cap to J.P. Morgan Mid Cap Value and PBHG/NWQ Value Select to Mercury Large Cap Value; restructuring of the Janus Balanced portfolio to Transamerica Balanced; and the mergers of the following portfolios: Alger Aggressive Growth into Transamerica Equity, LKCM Strategic Total Return into Transamerica Value Balanced, GE U.S. Equity into Great Companies- AmericaSM, PBHG Mid Cap Growth into Transamerica Growth Opportunities, and Templeton Great Companies Global into Janus Global and then a name change of Janus Global to Templeton Great Companies Global; and

WHEREAS, the Fund intends to sell shares of the Portfolio(s) to the Contract at net asset value; and

NOW, THEREFORE, IT IS HEREBY AGREED that WRL, through its Separate Account VA V, is authorized to acquire shares issued by the Fund, subject to the terms and conditions of the Participation Agreement, and that Schedule B to the Participation Agreement is hereby amended to add the WRL Freedom Multiple variable annuity contract to the list of "Policies". It is also hereby agreed that Schedule A to this Agreement will be amended to reflect the various name changes to certain portfolios due to the mergers listed above.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of

May 1, 2004.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES CO. FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE B

Effective May 1, 2004

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
	Separate Account VA V
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
	WRL Freedom Premier III
	WRL Xcelerator
	WRL Freedom Elite Builder II
	WRL Freedom Multiple
Portfolios:	AEGON/Transamerica Series Fund, Inc. - each Portfolio has an Initial Class and a Service
	Class of Shares
	AEGON Bond
	Asset Allocation - Conservative Portfolio
	Asset Allocation - Growth Portfolio
	Asset Allocation - Moderate Portfolio
	Asset Allocation - Moderate Growth Portfolio
	American Century International
	American Century Income & Growth
	Capital Guardian-U.K Equity
	Capital Guardian Value
	Clarion Real Estate Securities
	Dreyfus Small Cap Value
	Federated Growth & Income
	Great Companies - America sm
	Great Companies- Technology sm
	J.P. Morgan Enhanced Index
	J.P. Morgan Mid Cap Value

AMENDED SCHEDULE B (continued)

Policies:	Janus Growth
	Marsico Growth
	Mercury Large Cap Value
	MFS High Yield
	Munder Net50
	PIMCO Total Return
	Salomon All Cap
	Templeton Great Companies Global
	T. Rowe Price Equity Income
	T. Rowe Price Small Cap
	Third Avenue Value
	Transamerica Balanced
	Transamerica Equity
	Transamerica Convertible Securities
	Transamerica Growth Opportunities
	Transamerica Money Market
	Transamerica U.S. Government Securities
	Transamerica Value Balanced
	Van Kampen Emerging Growth

AMENDMENT NO. 24 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO,

Amendment No. 24 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. (the "Fund") and Western Reserve Life Assurance Co. of Ohio ("WRL").

WHEREAS, pursuant to the Participation Agreement, each Company serves as the Fund's designee for receipt of purchase and redemption orders with respect to shares of the Fund; and

 WHEREAS, each party has determined that it is appropriate and in the best interests of the Fund, its Designated Portfolios, and each Company to amend Article II of the Participation Agreement to provide for certain representations and warranties with respect to the handling of orders with respect to the Fund's shares and the implementation of policies and procedures to limit or prevent frequent trading and/or market timing activities with respect to the Designated Portfolios; and

NOW, THEREFORE, IT IS HEREBY AGREED that the following will be added as a new Section 2.12 of the Participation Agreement:

2.12. The Company represents and warrants that (a) all purchase and redemption orders with respect to shares of the Designated Portfolios submitted with respect

to a Business Day in accordance with Article I will be received in good order by the Company prior to calculation of the net asset value on that Business Day as disclosed in

the Designated Portfolios' prospectuses, as they may be amended from time to time, and will be processed by the Company in compliance with Rule 22c-l under the 1940 Act

and regulatory interpretations thereof; (b) the Company will provide the Fund or its agent with assurances regarding the compliance of its handling of orders with respect to

shares of the Designated Portfolios with the requirements of Rule 22c-1 and regulatory interpretations thereof upon reasonable request; and (c) the Company will use its best

efforts to cooperate with the Fund or its agent to implement policies and procedures to prevent frequent trading and/or market timing in the Designated Portfolios and enforce

the market timing policies disclosed in the Designated Portfolios' prospectuses, as they may be amended from time

to time.

IN WITNESS WHEREOF, each of the parties has caused this Amendment to be executed in its name and on its behalf by its duly authorized representative, effective as of October 22,2004.

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO By its authorized officer,	AEGON/TRANSAMERICA SERIES CO. OF OHIO FUND, INC. By its authorized officer,
By: /s/ Priscilla I. Hechler	By: /s/ John K. Carter
Priscilla I. Hechler	John K. Carter
Title: Assistant Vice President and Assistant Secretary	Title: Vice President, Secretary and Senior Counsel

AMENDED

SCHEDULE   B

Effective October 22, 2004

Account(s), Policy(ies) and Portfolio(s) Subject

to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
	Separate Account VA V
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
	WRL Freedom Premier III
	WRL Xcelerator
	WRL Freedom Elite Builder II
	WRL Freedom Multiple
Portfolios:	AEGON/Transamerica Series Fund, Inc. - each Portfolio has an Initial Class and a Service
	Class of Shares
	AEGON Bond
	Asset Allocation- Conservative Portfolio
	Asset Allocation- Growth Portfolio
	Asset Allocation- Moderate Portfolio
	Asset Allocation Moderate Growth Portfolio
	American Century International
	American Century Income & Growth
	Capital Guardian U.S. Equity
	Capital Guardian Value
	Clarion Real Estate Securities
	Dreyfus Small Cap Value
	Federated Growth & Income
	Great Companies America sm
	Great Companies- Technology sm
	J.P. Morgan Enhanced Index
	J.P. Morgan Mid Cap Value

AMENDED SCHEDULE B (continued)

Portfolios:	Janus Growth
	Marsico Growth
	Mercury Large Cap Value
	MFS High Yield
	Munder Net50
	PIMCO Total Return
	Salomon All Cap
	Templeton Great Companies Global
	T. Rowe Price Equity Income
	T. Rowe Price Small Cap
	Third A venue Value
	Transamerica Balanced
	Transamerica Equity
	Transamerica Convertible Securities
	Transamerica Growth Opportunities
	Transamerica Money Market
	Transamerica U.S. Government Securities
	Transamerica Value Balanced
	Van Kampen Emerging Growth

AMENDMENT NO. 25 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES FUND, INC. AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Amendment No. 25 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. and Western Reserve Life Assurance Co. of Ohio (the "Parties").

I. The name of AEGON/Transamerica Series Fund, Inc. is changed to AEGON/Transamerica Series Trust, effective May 1, 2005.

IN WITNESS WHEREOF, each of the Parties has caused this Amendment to be executed this 28th day of March, 2005, in its name and on its behalf by its duly authorized representative.

AEGON/TRANSAMERICA SERIES FUND, INC.	WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
By its authorized officer,	By its authorized officer,
By: /s/T. Gregory Reymann, II	By: /s/Priscilla I. Hechler
T. Gregory Reymann, II	Priscilla I. Hechler
Title: Vice President	Title: Assistant Vice President
And Counsel	And Assistant Secretary

AMENDMENT NO. 26 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES TRUST AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Amendment No. 26 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. and Western Reserve Life Assurance Co. of Ohio (the "Parties").

The following will be added as a new Section 2.12 of the Participation

Agreement, replacing said section:

2.12 The Company represents and warrants that (a) all purchase and

redemption orders with respect to shares of the Designated Portfolios

submitted with respect to a Business Day in accordance with Article I

will be received in good order by the Company prior to calculation of the

net asset value on that Business Day as disclosed in the Designated

Portfolios' prospectuses, as they may be amended from time to time, and

will be processed by the Company in compliance with Rule 22c-l under

the 1940 Act and regulatory interpretations thereof; (b) the Company

will provide the Fund or its agent with assurances regarding the

compliance of its handling of orders with respect to shares of the

Designated Portfolios with the requirements of Rule 22c-l and

regulatory interpretations thereof upon reasonably request; and (c) the

Company will use its best efforts to cooperate with the Fund or its agent

to implement policies and procedures to prevent frequent trading and/or

market timing in the Designated Portfolios and enforce the market timing

policies disclosed in the Designated Portfolios' prospectuses, as they

may be amended from time to time.

IN WITNESS WHEREOF, each of the Parties has caused this Amendment to be executed this lst day of September, 2005, in its name and on its behalf by its duly authorized representative.

AEGON/TRANSAMERICA SERIES TRUST	WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
By its authorized officer,	By its authorized officer,
By: /s/T. Gregory Reymann, II	By: /s/Priscilla I. Hechler
T. Gregory Reymann, II	Priscilla I. Hechler
Title: Vice President	Title: Assistant Vice President
And Counsel	And Assistant Secretary

AMENDMENT NO. 27 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES TRUST AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Amendment No. 27 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended, between AEGON/Transamerica Series Fund, Inc. and Western Reserve Life Assurance Co. of Ohio (the "Parties").

Schedule B of the Agreement is deleted in its entirety and replaced with the following Amended Schedule B:

AMENDED SCHEDULE B

Effective May 1, 2006

Account(s), Policy(ies) and Portfolio(s)

Subject to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
	Separate Account VA V
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer Variable Annuity
	WRL Freedom Bellwether Variable Annuity
	WRL Freedom Conqueror Variable Annuity
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator Variable Annuity
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier Variable Annuity
	WRL Freedom Access Variable Annuity
	WRL Freedom Enhancer Variable Annuity
	WRL Freedom Select Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier II
	WRL Freedom Access II
	WRL Freedom Enhancer II
	WRL Freedom Premier III
	WRL Xcelerator
	WRL Freedom Elite Builder II
	WRL Freedom  Multiple
	WRL Xcelerator  ForLife
	WRL Freedom Elite Builder III

AMENDED SCHEDULE B (continued)

Portfolios	AEGON/Transamerica Series Trust. - each Portfolio has an Initial Class and a Service Class
	of Shares
		AEGON Bond
		Asset Allocation - Conservative Portfolio
		Asset Allocation- Growth Portfolio
		Asset Allocation- Moderate Portfolio
		Asset Allocation- Moderate Growth Portfolio
		American Century International
		American Century Large Company Value
		Clarion Global Real Estate Securities
		Federated Growth & Income
		Great Companies - America sm
		Great Companies - Technology sm
		International Moderate Growth Fund
		JPMorgan Enhanced Index
		JPMorgan Mid Cap Value
		Janus Growth
		Marsico Growth
		Mercury Large Cap Value
		MFS High Yield
		Munder Net50
		PIMCO Total Return
		Salomon All Cap
		Templeton Great Companies Global
		T. Rowe Price Equity Income
		T. Rowe Price Small Cap
		Third Avenue Value
		Transamerica Balanced
		Transamerica Equity
		Transamerica Convertible Securities
		Transamerica Growth Opportunities
		Transamerica Money Market
		Transamerica Small/Mid Cap Value
		Transamerica U.S. Government Securities
		Transamerica Value Balanced
		Van Kampen Mid-Cap Growth

IN WITNESS WHEREOF, each of the Parties has caused this Amendment to be executed this 1st day of May, 2006, in its name and on its behalf by its duly authorized representative.

AEGON/TRANSAMERICA SERIES TRUST	WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
By its authorized officer,	By its authorized officer,
By: /s/T. Gregory Reymann, II	By: /s/Priscilla I. Hechler
T. Gregory Reymann, II	Priscilla I. Hechler
Title: Vice President	Title: Assistant Vice President
And Counsel	And Assistant Secretary

AMENDMENT NO. 28 TO

PARTICIPATION AGREEMENT

BETWEEN

AEGON/TRANSAMERICA SERIES TRUST AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Amendment No. 28 to the Participation Agreement ('"Agreement"). dated February 27. 1991, as amended,

between AEGON/Transamerica Series Trust and Western Reserve Life Assurance Co. of Ohio (the "Parties").

Schedule B of the Agreement is deleted in its entirety and replaced with the following Amended Schedule B:

AMENDED SCHEDULE B

Effective May I. 2007

Account(s), Policy(ies) and Portfolio(s)

Subject to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
	Separate Account VA V
	WRL Series Life Account G
	Separate Account VA AA
Policies	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer®
	WRL Freedom Bellwether®
	WRL Freedom Conqueror ®
	WRL Freedom Wealth Protector
	C.A.S.E. Reserve Variable Annuity
	Meridian Sector Variable Annuity
	WRL Freedom Wealth Creator®
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier®
	WRL Freedom Access®
	WRL Freedom Enhancer®
	WRL Freedom SelectSM Variable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier® II
	WRL Freedom Access®II
	WRL Freedom Enhancer® II
	WRL Freedom Premier® III Variable Annuity
	WRL Xcelerator
	WRL Freedom Elite Builder II
	WRL Freedom Multiple
	WRL Freedom Elite Builder III
	WRL ForLife
	WRL Benefactor
	WRL Capital Creator
	WRL Freedom Advisor

AMENDED SCHEDULE B (continued)

Portfolios:	AEGON/Transamerica Series Trust - each Portfolio has an Initial Class and a Service Class
	of Shares except as noted
		Asset Allocation- Conservative Portfolio
		Asset Allocation - Growth Portfolio
		Asset Allocation- Moderate Portfolio
		Asset Allocation- Moderate Growth Portfolio
		American Century Large Company Value
		BlackRock Large Cap Value
		Capital Guardian Global
		Capital Guardian U.S. Equity
		Capital Guardian Value
		Clarion Global Real Estate Securities
		Federated Market Opportunity
		International Moderate Growth Fund
		JPMorgan Core Bond
		JPMorgan Enhanced Index
		JPMorgan Mid Cap Value
		Jennison Growth
		Legg Mason Partners All Cap
		Marsico Growth
		MFS High Yield
		MFS International Equity
		Munder Net50
		PIMCO Total Return
		T. Rowe Price Equity Income
		T. Rowe Price Growth Stock
		T. Rowe Price Small Cap
		Templeton Transamerica Global
		Third Avenue Value
		Transamerica Balanced
		Transamerica Convertible Securities
		Transamerica Equity
		Transamerica Equity II (Service Class Shares currently not being offered)
		Transamerica Growth Opportunities
		Transamerica Money Market
		Transamerica Science and Technology
		Transamerica Small/Mid Cap Value
		Transamerica Strategic Selection Fund (effective August 1, 2007)
		Transamerica U.S. Government Securities
		Transamerica Value Balanced
		Van Kampen Active International Allocation
		Van Kampen Large Cap Core
		Van Kampen Mid-Cap Growth

IN WITNESS WHEREOF. each of the Parties has caused this Amendment to be executed this 1st day of May, 2007, in its name and on its behalf by its duly authorized representative.

AEGON/TRANSAMERICA SERIES TRUST	WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
By its authorized officer,	By its authorized officer,
By: /s/Christopher A. Staples	By: /s/Priscilla I. Hechler
Christopher A. Staples	Priscilla I. Hechler
Title: Senior Vice President	Title: Assistant Vice President
	And Assistant Secretary

AMENDMENT NO. 29 TO

PARTICIPATION AGREEMENT

BETWEEN

TRANSAMERICA SERIES TRUST (formerly, AEGON/Transamerica Series Trust) AND

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Amendment No. 29 to the Participation Agreement ("Agreement"), dated February 27, 1991, as amended,

between Transamerica Series Trust and Western Reserve Life Assurance Co. of Ohio (the "Parties").

Schedule B of the Agreement is deleted in its entirety and replaced with the

following Amended Schedule B:

AMENDED SCHEDULE B

Effective May I, 2008

Account(s), Policy(ies) and Portfolio(s)

Subject to the Participation Agreement

Accounts:	WRL Series Life Account
	WRL Series Annuity Account
	Separate Account VA U
	Separate Account VA V
	WRL Series Life Account G
	Separate Account VA AA
Policies:	The Equity Protector
	WRL Freedom Equity Protector
	WRL Freedom SP Plus
	WRL Freedom Variable Annuity
	WRL Freedom Attainer®
	WRL Freedom Bellwether®
	WRL Freedom Conqueror ®
	WRL Freedom Wealth Protector
	WRL Freedom Wealth Creator®
	WRL Financial Freedom Builder
	WRL Freedom Elite
	WRL Freedom Premier®
	WRL Freedom Access®
	WRL Freedom Enhancer®
	WRL Freedom SelectsmVariable Annuity
	WRL Freedom Elite Builder
	WRL Freedom Elite Advisor
	WRL Freedom Premier® II
	WRL Freedom Access® II
	WRL Freedom Enhancer® II
	WRL Freedom Premier® III Variable Annuity
	WRL Xcelerator
	WRL Freedom Elite Builder II
	WRL Freedom Multiple
	WRL Freedom Elite Builder III
	WRLForLife
	WRL Benefactor

AMENDED SCHEDULE B (continued)
	WRL Capital Creator
	WRL Freedom Advisor
	WRL Freedom Asset Advisor
	WRL Evolution
Portfolios:	Transamerica Series Trust. - each Portfolio has an Initial Class and a Service Class of
	Shares except as noted
		Transamerica American Century Large Company Value VP
		Transamerica Asset Allocation - Conservative VP
		Transamerica Asset Allocation - Growth VP
		Transamerica Asset Allocation- Moderate VP
		Transamerica Asset Allocation - Moderate Growth VP
		Transamerica International Moderate Growth VP
		Transamerica BlackRock Large Cap Value VP
		Transamerica Capital Guardian Global VP
		Transamerica Capital Guardian U.S. Equity VP
		Transamerica Capital Guardian Value VP
		Transamerica Clarion Global Real Estate Securities VP
		Transamerica JPMorgan Enhanced Index VP
		Transamerica Jennison Growth VP
		Transamerica Legg Mason Partners All Cap VP
		Transamerica MFS High Yield VP
		Transamerica MFS International Equity VP
		Transamerica Marsico Growth VP
		Transamerica PIMCO Total Return VP
		Transamerica T. Rowe Price Equity Income VP
		Transamerica T. Rowe Price Growth Stock VP
		Transamerica T. Rowe Price Small Cap VP
		Transamerica Templeton Global VP
		Transamerica Third Avenue Value VP
		Transamerica Balanced VP
		Transamerica Convertible Securities VP
		Transamerica Equity VP
		Transamerica Equity II VP (Service Class Shares currently not being offered)
		Transarnerica Growth Opportunities VP
		Transamerica Money Market VP
		Transamerica Science & Technology VP
		Transamerica Small/Mid Cap Value VP
		Transamerica U.S. Government Securities VP
		Transamerica Value Balanced VP
		Transamerica Index 50 VP
		Transamerica Index 75 VP
		Transamerica Munder Net50 VP
		Transamerica JPMorgan Core Bond VP
		Transamerica JPMorgan Mid Cap Value VP
		Transamerica Third Avenue Value VP
		Transamerica Van Kampen Mid-Cap Growth VP
		Transamerica Federated Market Opportunity VP

(Signatures on the following page)

IN WITNESS WHEREOF, each of the Parties has caused this Amendment to be executed this I st day of May, 2008, in its name and on its behalf by its duly authorized representative.

TRANSAMERICA SERIES TRUST	WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
By its authorized officer,	By its authorized officer,
By: /s/Christopher A. Staples	By: /s/Arthur D. Woods
Christopher A. Staples	Arthur D. Woods
Title: Senior Vice President	Title: Vice President