AMENDMENT TO
                        EVERGREEN VARIABLE ANNUITY TRUST
                             PARTICIPATION AGEEMENT

     THIS AMENDMENT to the Participation Agreement ("Amendment") is entered into
and is effective this 13th day of February, 2002 by and among IDS Life Insurance
Company (the "Company") and Evergreen Variable Annuity Trust (the "Trust").

     WHEREAS,  The  parties to this  Amendment  have  previously  executed  that
certain Participation Agreement dated August 13, 2001 ("Agreement"); and

     WHEREAS, the parties to this Amendment wish to amend the Agreement to allow
for the addition of a new Contract.

     NOW  THEREFORE,  in  consideration  of the terms,  covenants and conditions
contained  herein and other good and  valuable  consideration,  the  receipt and
sufficiency  of which are hereby  acknowledged,  the  parties to this  Amendment
agree to amend the Agreement as follows:

1.  Schedule A of the Agreement is hereby deleted in its entirety and is
    replaced with the Schedule A attached hereto and incorporated by reference.

2.  In the event of a conflict between the terms of this Amendment and the
    Agreement, it is the intention of the parties that the terms of this
    Amendment shall control and the Agreement shall be interpreted on that
    basis.

3. Except as modified by this Amendment, the Agreement is hereby ratified and
   confirmed and shall remain in full force and effect.

      IN WITNESS WHEREOF, each party has executed this Amendment by a duly
authorized officer.


IDS LIFE INSURANCE COMPANY                       Attest:

By: /s/ Timothy V. Bechtold                By: /s/ Mary Ellyn Minenko
    ------------------------                   -----------------------
Printed                                    Printed
Name:   Timothy V. Bechtold                Name:   Mary Ellyn Minenko
As Its: President                          As Its: Assistant Secretary

EVERGREEN VARIABLE ANNUITY TRUST

By: /s/ Sally E. Ganem
    ------------------
Printed
Name:   Sally E. Ganem
As Its: Assistant Secretary










                                   SCHEDULE A
             Separate Accounts, Contracts and Designated Portfolios


Name of Separate Accounts and Date
Established by Board of Directors
-----------------------------------------
IDS Life Variable Account 10,
Established August 23, 1995

Contracts Funded by Separate Account
American Express Retirement Advisor Advantage(SM) Variable Annuity
American Express Retirement Select(SM) Variable Annuity

Designated Portfolios

Evergeen VA Capital Growth Fund, L Class





























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