EXHIBIT (h) Participation Agreements: 1. AIM Variable Insurance Funds 2. Franklin Templeton Variable Insurance Product Trust 3. Oppenheimer Variable Account Funds

                                   EXHIBIT (h)

                            Participation Agreements:

                  1.  AIM Variable Insurance Funds
                  2.  Franklin ▇▇▇▇▇▇▇▇▇ Variable Insurance Product Trust
                  3.  ▇▇▇▇▇▇▇▇▇▇▇ Variable Account Funds