AMENDMENT 1 TO SCHEDULE A TO PARTICIPATION AGREEMENT

                          AMENDMENT 1 TO SCHEDULE A TO
                             PARTICIPATION AGREEMENT

                                      Among

                          XXXXXX CAPITAL MANAGER TRUST
                      (now known as Xxxxxx Variable Trust)

                            XXXXXX MUTUAL FUNDS CORP.

                                       and

                   AMERICAN ENTERPRISE LIFE INSURANCE COMPANY

THIS AMENDMENT 1 TO SCHEDULE A TO PARTICIPATION AGREEMENT (Amendment 1 to
Schedule A) is made and entered into this 30th day of April, 1997 by and among
Xxxxxx Variable Trust (formerly Xxxxxx Capital Manager Trust) (the "Fund");
Xxxxxx Mutual Funds Corp. (the "Distributor"); and American Enterprise Life
Insurance Company (the "Company").

WHEREAS, the Company, the Fund and the Distributor are parties to the
Participation Agreement dated January 16th, 1995 (the "Agreement"); and

WHEREAS, the parties now desire to amend Schedule A to the Agreement to add two
funds as Authorized Funds in which American Enterprise Life Insurance Company,
on its own behalf and on behalf of the Accounts set forth on Schedule A, as
amended, may invest;

NOW, THEREFORE, in consideration of their mutual promises, the Company, the Fund
and the Distributor agree as follows:

 1.      Amendment to Schedule A. In accordance with the terms of the Agreement,
         the parties hereby amend Schedule A to include two new funds as
         Authorized Funds in which American Enterprise Life Insurance Company,
         on its own behalf and on behalf of the Accounts set forth on Schedule
         A, as amended, may invest. Schedule A, as amended, specifies which
         Authorized Funds are offered as investment options under each of the
         variable annuity contracts listed.

 2.      Counterparts.  This Amendment 1 to Schedule A may be executed
         simultaneously in two or more counterparts, each of which taken
         together will constitute one and the same instrument.






IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment 1 to
Schedule A to be executed in its name and behalf by its duly authorized
representatives as of the date specified above.


XXXXXX VARIABLE TRUST                       XXXXXX MUTUAL FUNDS CORP.

By:  /s/  Xxxx X. Xxxxxx                    By:  /s/  Xxxxxxx X. Xxxxxx

Name:   Xxxx X. Xxxxxx                      Name:    Xxxxxxx X. Xxxxxx

Title:    Vice President                    Title:    Managing Director


AMERICAN ENTERPRISE LIFE
INSURANCE COMPANY                           ATTEST:

By:  /s/  Xxxx Xxxxxx                       By:  /s/  Xxxxxxx X. Xxxxxxxxxx

Title:  VP - Product Development            Name:    Xxxxxxx X. Xxxxxxxxxx

Name:  Xxxx Xxxxxx                          Title:      VP







                                   Schedule A

                                    Contracts



American Enterprise Variable Annuity Account, established July 15, 1987.

AEL Personal Portfoliosm offers the following Authorized Funds as
investment options:

                  Xxxxxx VT Diversified Income Fund
                  Xxxxxx VT Growth and Income Fund
                  Xxxxxx VT New Opportunities Fund
                  Xxxxxx VT High Yield Fund

         AEL variable annuity distributed through TCF offers the following
         Authorized Funds as investment options:

                  Xxxxxx VT Diversified Income Fund
                  Xxxxxx VT Growth and Income Fund
                  Xxxxxx VT New Opportunities Fund
                  Xxxxxx VT Voyager Fund
                  Xxxxxx VT Global Growth Fund




Date:  April 30, 1997