PIONEER VARIABLE CONTRACTS TRUST AMENDMENT TO THE AGREEMENT AND DECLARATION OF TRUST

                        PIONEER VARIABLE CONTRACTS TRUST



               AMENDMENT TO THE AGREEMENT AND DECLARATION OF TRUST

                                       OF

                        PIONEER VARIABLE CONTRACTS TRUST



         The undersigned, being at least a majority of the Trustees of Pioneer
Variable Contracts Trust, a Delaware statutory trust (the "Trust"), do hereby
amend the Agreement and Declaration of Trust, dated September 16, 1994, as
amended (the "Declaration"), as follows, such amendment to be effective on the
date hereof:

         Pursuant to Article IX, Section 8 of the Declaration, the portfolios
set forth on ANNEX A are added as series of the Trust, each such portfolio to
have Class I and Class II shares.


IN WITNESS WHEREOF, the undersigned being all the Trustees of the Trust have
executed this instrument as of this 3rd day of February, 2004.



/S/ XXXX X. XXXXX, XX.                /S/ XXXXXX X. XXXX
Xxxx X. Xxxxx, Xx.                    Xxxxxx X. Xxxx




                                      /S/ XXXXXXXXXX X. XXXXX
Xxxx X. Xxxx                          Xxxxxxxxxx X. Xxxxx




/S/ XXXXXXX X. XXXXXX, M.D.           /S/ XXXXXXX X. XXXX
Xxxxxxx X. Xxxxxx, M.D.               Xxxxxxx X. Xxxx




/S/ XXXXXXXX X.X. XXXXXX              /S/ XXXX XXXXXXXX
Xxxxxxxx X.X. Xxxxxx                  Xxxx Xxxxxxxx



                                    The address of each Trustee is
                                    c/o Pioneer Investment Management, Inc
                                    00 Xxxxx Xxxxxx, Xxxxxx, Xxxxxxxxxxxxx 00000


ANNEX A



PIONEER OAK RIDGE LARGE CAP GROWTH VCT PORTFOLIO
PIONEER XXXX AMERICA-PACIFIC RIM VCT PORTFOLIO
PIONEER XXXX XXXXX AND MID CAP GROWTH VCT PORTFOLIO
PIONEER XXXX STOCK VCT PORTFOLIO
PIONEER XXXX STRATEGIC GROWTH VCT PORTFOLIO