0000928385-00-001278 Sample Contracts

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AMENDMENT NO. 4 ---------------
Participation Agreement • April 27th, 2000 • PFL Retirement Builder Variable Annuity Account

The Participation Agreement (the "Agreement"), dated as of May 1, 1998, by and among AIM Variable Insurance Funds, Inc., a Maryland corporation, A I M Distributors, Inc., a Delaware corporation, PFL Life Insurance Company, an Iowa life insurance company, and AFSG Securities Corporation, a Pennsylvania corporation, is hereby amended as follows:

AMENDED EXHIBIT A AND EXHIBIT B TO PARTICIPATION AGREEMENT BY AND BETWEEN PFL LIFE INSURANCE COMPANY, FEDERATED INSURANCE SERIES AND FEDERATED SECURITIES CORP.
PFL Retirement Builder Variable Annuity Account • April 27th, 2000

Policies The Atlas Portfolio Builder Variable Annuity PFL Retirement Income Builder Variable Annuity The First Union First Choice Variable Annuity (or successor marketing name)

SCHEDULE A ----------
PFL Retirement Builder Variable Annuity Account • April 27th, 2000

This Schedule shall be effective as of the date of the last signature below, and replaces and supersedes Schedule A to the Participation Agreement dated May 1, 1998 (as amended) between Evergreen Variable Annuity Trust and PFL Life Insurance Company.

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