EXECUTION  COPY

                    IRREVOCABLE  STANDING  INSTRUCTIONS

     These  IRREVOCABLE STANDING INSTRUCTIONS, dated as of September 9, 1999 are
given  pursuant  to  this  agreement by and among Anchor National Life Insurance
Company  ("Anchor"),  ANLIC Insurance Company (Hawaii), Ltd. ("ANLIC (Hawaii)"),
           ------                                              --------------
Variable  Separate  Account of Anchor National Life Insurance Company ("Variable
                                                                        --------
Separate  Account"), Anchor Pathway Fund, Anchor Series Trust, SunAmerica Series
 ----------------
Trust,  and  State  Street  Bank  and  Trust  Company.

                                 RECITAL

     Anchor has entered into a Reinsurance Agreement, dated as of August 1, 1999
(said Agreement, as the same may be supplemented, amended, replaced or otherwise
modified  from  time to time, the "Reinsurance Agreement"), with ANLIC (Hawaii),
                                   ---------------------
pursuant  to  which  Anchor  will reinsure certain risks under the Annuities (as
defined  herein)  with  ANLIC  (Hawaii).

     Section  1.     Certain Defined Terms.  Capitalized terms used herein shall
                     ---------------------
have  the  following  meanings:

     "Annuities"  shall  mean  (i) the individual variable annuity contracts and
      ---------
group  variable  annuity certificates identified in Schedule 1.1 hereto, as such
contracts and certificates are in effect and are reinsured under the Reinsurance
Agreement from time to time, subject to reinstatement or surrender, and (ii) the
other  annuity  contracts  reinsured  pursuant  to  the terms of the Reinsurance
Agreement.

     "Business  Day" shall mean each day on which (i) dealings are carried on in
      -------------
the London interbank market, and (ii) all of the following are open for business
at their principal offices in the cities designated:  (x) Anchor in Los Angeles;
(y)  the  Custodian  in  North Quincy, Massachusetts; and (z) the New York Stock
Exchange  trading  floor  in  New  York  City.

     "CDSC  Fees"  shall  mean  the  Charges which are designated as "Contingent
      ----------
Deferred  Sales Charges" in Schedule 1.2 hereto in the column labeled "Charges".

     "Charges"  means  the  charges  and  deductions  relating  to the Annuities
      -------
identified  in  Schedule  1.2  hereto  in  the  column  labeled  "Charges".

     "Custodian" shall mean State Street Bank and Trust Company, a Massachusetts
      ---------
trust  company.

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     "Daily  Reinsurance  Servicer  Report" shall mean a report in substantially
      ------------------------------------
the  form  of  Exhibit  2.2  hereto.

     "Delinquent  Daily  Reinsurance  Servicer  Report"  shall  mean  a  Daily
      ------------------------------------------------
Reinsurance  Servicer  Report  which  is  not  delivered to the Custodian on the
      ---
Business  Day  to  which  it  relates.

     "Fund"  shall  mean  one  or  more  of Anchor Pathway Fund, a Massachusetts
      ----
business  trust, Anchor Series Trust, a Massachusetts business trust, SunAmerica
Series  Trust,  a Massachusetts business trust, and any successor to any thereof
and  any  other  Person  that  executes  a  counterpart  hereof.

     "Investment  Company"  shall  mean  any  entity  registered  as  a separate
      -------------------
investment  company  under  the  Investment  Company  Act.
      -

     "Investment  Company Act" shall mean the Investment Company Act of 1940, as
      -----------------------
amended,  and  the rules and regulations of the SEC thereunder, all as from time
to  time  in effect, or any successor law, rule or regulation, and any reference
to  any  statutory  or regulatory provision shall be deemed to be a reference to
any  successor  statutory  or  regulatory  provision.

     "M&E  Fees"  shall  mean  all  Charges  other  than  CDSC  Fees.
      ---------

     "Person"  shall mean an individual, a partnership, a corporation, a limited
      ------
liability  company, a trust (including any beneficiary thereof) or other entity,
including  any  unincorporated  organization or governmental agency or political
subdivision  thereof.  The  term  "corporation"  for  purposes  of the preceding
sentence  shall mean a corporation, joint stock company, business trust or other
similar  association.

     "Portfolio"  shall  mean  a  separate  investment portfolio or series of an
      ---------
Investment  Company  which  is  itself  not  an  Investment  Company.

     "Reinsurance Servicer Report" shall mean a report in substantially the form
      ---------------------------
of  Exhibit  2.3  hereto  furnished  by  the  servicer pursuant to the Servicing
Agreement  to  ANLIC  (Hawaii).

     "SEC"  shall  mean  the  Securities  and  Exchange  Commission or any other
      ---
governmental authority of the United States of America at the time administering
the  Securities  Act  of  1933,  as  amended,  the Investment Company Act or the
Securities  Exchange  Act  of  1934,  as  amended.

     Section  2.     Irrevocable  Payment Instructions.  The Custodian is hereby
                     ---------------------------------
irrevocably  directed  by  Anchor, the Variable Separate Account and each of the
Funds,  upon  receipt  of  a  notice  in  substantially  the form of Exhibit 2.1
attached  hereto,  to  make all payments in respect of all Charges (hereinafter,
"Payments")  as  follows:
  -------

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     (i)     in  the case of all CDSC Fees Collected, as identified on Line 5 of
the  Daily  Reinsurance  Servicer  Report, remit all Payments in respect thereof
directly  to  Anchor;

     (ii)     in  the  case of all M&E Fees, as identified as M&E Fees Collected
on  Line  3 of the Daily Reinsurance Servicer Report, accrue, segregate and hold
such  M&E  Fees for the benefit of Anchor and ANLIC (Hawaii) and, then, no later
than  two  Business Days following receipt of a Reinsurance Servicer Report, (i)
remit  all  Payments  that,  pursuant  to  Line  199 of the Reinsurance Servicer
Report,  are  allocable  to Anchor directly to Anchor and (ii) wire all Payments
that,  pursuant to Line 198 of the Reinsurance Servicer Report, are allocable to
ANLIC  (Hawaii)  directly  and  in  immediately  available  funds  to  the
non-interest-bearing  cash  collateral account with Citibank, N.A. at its office
at  399  Park  Avenue,  New  York,  New  York  10043, Account No.  40800176; and

     (iii)     in  the  event the Custodian does not receive a Daily Reinsurance
Servicer  Report  on any Business Day, the Custodian shall accrue, segregate and
hold either (a) 110% of the amount of the M&E Fees withheld as indicated on Line
3 of the Daily Reinsurance Servicer Report last provided to the Custodian or (b)
the  maximum  cash  amount  distributable  to  Anchor  on that day by the Funds,
whichever  is less.  Upon receiving such a Delinquent Daily Reinsurance Servicer
Report, the Custodian shall remit to Anchor any amount withheld by the Custodian
with  respect  to  the  M&E  Fees  in  excess of that required to be withheld as
indicated  on  Line  3  of  such  Delinquent  Daily Reinsurance Servicer Report.

Prior  to any delivery of the above-referenced notice, however, the Custodian is
to  collect  and  remit  Charges  in  accordance  with  the applicable custodial
agreements  then  in  effect.

     Section  3.     Interest  on  Amounts  Held  by  Custodian.  All  amounts
                     ------------------------------------------
segregated  and held by the Custodian for more than one Business Day pursuant to
these  Standing  Instructions  shall  be  held  in a non-interest-bearing demand
deposit  account  in  the  name  of  "State  Street  Bank  and  Trust Company as
Custodian."

     Section  4.     Miscellaneous.  The  Custodian  and  each  of the Funds are
                     -------------
further  notified  that:

     (a)     These  Irrevocable Standing Instructions are delivered on behalf of
ANLIC  (Hawaii)  and  are irrevocable and cannot be waived, amended or otherwise
modified  without  the  prior  written  consent  of  ANLIC  (Hawaii).

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     (b)     By its acknowledgment, the Custodian authorizes Anchor to deliver a
copy  of  these  Irrevocable  Standing  Instructions  and  the  Custodian's
acknowledgment  to  ANLIC  (Hawaii)  and  its respective successors and assigns.

     (c)     Any  payment  by  the  Custodian  other than in compliance with the
directions herein shall not be deemed to discharge its obligations in respect of
the  Payments.

     (d)     THESE  IRREVOCABLE  STANDING  INSTRUCTIONS  SHALL BE DEEMED TO BE A
CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND FOR ALL PURPOSES SHALL
BE  GOVERNED  BY  AND  CONSTRUED  IN  ACCORDANCE  WITH  THE  LAWS OF SAID STATE.

     (e)     EACH FUND'S AMENDED AND RESTATED AGREEMENT AND DECLARATION OF TRUST
IS ON FILE WITH THE SECRETARY OF THE COMMONWEALTH OF MASSACHUSETTS AND NOTICE IS
HEREBY  GIVEN  THAT  THIS AGREEMENT IS MADE AND EXECUTED ON BEHALF OF SUCH FUND,
AND  NOT  BY THE TRUSTEES OR OFFICERS OF SUCH FUND INDIVIDUALLY, AND OBLIGATIONS
OF  OR ARISING OUT OF THIS AGREEMENT ARE NOT BINDING UPON THE TRUSTEES, OFFICERS
OR  SHAREHOLDERS  OF SUCH FUND INDIVIDUALLY BUT ARE BINDING ONLY UPON THE ASSETS
OF  SUCH  FUND.

     (f)     Each  Person  which  hereafter  becomes  a  Fund  party  to  these
Irrevocable  Standing  Instructions  by  executing  a  counterpart  hereof shall
thereafter  be  bound  by  the  terms  hereof  to  the  same  extent as if these
Irrevocable Standing Instructions had been addressed to and signed by such Fund.

     (g)     ANLIC  (Hawaii)  has  granted  a  security  agreement  in  certain
collateral,  including,  but not limited to, ANLIC (Hawaii)'s rights under these
Irrevocable  Standing  Instructions.

     These  Irrevocable  Standing  Instructions may be executed in any number of
counterparts  and  by different parties hereto on separate counterparts, each of
which  counterparts,  when  so  executed and delivered, shall be deemed to be an
original,  and  all  of which counterparts, taken together, shall constitute but
one  and  the  same  Irrevocable  Standing  Instructions.

     By  its  execution of these Irrevocable Standing Instructions the Custodian
hereby  acknowledges  and  agrees (i) to abide by the foregoing instructions, it
being  understood  that  such  acknowledgment  and  waiver does not constitute a
waiver  of  any defenses and (ii) that it has not received any prior notice from
any  other party that Anchor has granted a security interest in, or collaterally
assigned,  the  Charges  to  such  other  party  or that any other party has any
interest  in  the  Charges.

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                   ANCHOR  NATIONAL  LIFE  INSURANCE  COMPANY


                   By:------------------------------------



                   ANLIC  NSURANCE  COMPANY  (HAWAII),  LTD.


                   By:----------------------------------



                   VARIABLE  SEPARATE  ACCOUNT  OF
                   ANCHOR  NATIONAL  LIFE  INSURANCE  COMPANY
                   by  ANCHOR  NATIONAL  LIFE  INSURANCE  COMPANY


                   By:---------------------------------
                      Authorized  Signatory



                   ANCHOR  PATHWAY  FUND


                   By:---------------------------------
                      Authorized  Signatory



                   ANCHOR  SERIES  TRUST


                   By:--------------------------------
                      Authorized  Signatory


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<PAGE>
                   SUNAMERICA  SERIES  TRUST


                   By:-------------------------------
                      Authorized  Signatory


                   ----------------------------------
                   [Add  name  of  any  future  Fund]


                   By:-------------------------------
                      Authorized  Signatory


Acknowledged  and
agreed  to  as  of  the  date
first  written  above:

STATE  STREET  BANK  AND  TRUST  COMPANY


By:-------------------------------
   Authorized  Signatory

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