AMENDMENT 2 TO SCHEDULE A TO PARTICIPATION AGREEMENT

                          AMENDMENT 2 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 2 TO SCHEDULE A TO PARTICIPATION AGREEMENT (Amendment 2 to
Schedule A) is made and entered into this 30th day of October, 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, as amended April 30th, 1997
(the "Agreement"); and

WHEREAS, the parties now desire to amend Schedule A to the Agreement so that an
enhanced flexible premium variable annuity contract may invest in the Authorized
Funds;

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 read as follows:

                                   Schedule A

                                    Contracts

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

         AEL Personal Portfoliosm and AEL Personal Portfolio Plus offer 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 Preferredsm, 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

 2.  Counterparts. This Amendment 2 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 2 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. Vereni                     By:/s/   Xxxxxxx X. Xxxxxx

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

Title:   Vice President                     Title:   Managing Director


AMERICAN ENTERPRISE LIFE
INSURANCE COMPANY                   ATTEST:

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

Name:    Xxxxxx X. Xxxxxxxx                 Name:    Xxxxxxx X. Xxxxxxxxxx

Title:   Executive Vice President           Title:   Vice President