<PAGE>

               Amendment to Schedule A to Participation Agreement
                                      Among
                      Variable Insurance Products Fund II,
                       Fidelity Distributors Corporation,
                                       and
                First Allmerica Financial Life Insurance Company

WHEREAS, First Allmerica Financial Life Insurance Company (formerly known as
State Mutual Life Assurance Company of America), Variable Insurance Products
Fund II and Fidelity Distributors Corporation entered into a Participation
Agreement on March 1, 1994 ("Participation Agreement"); and

WHEREAS, the parties desire to amend the Participation Agreement and restate in
its entirety Schedule A by mutual written consent;

NOW, THEREFORE, the parties do hereby agree to replace Schedule A to the
Participation Agreement and any amendments thereto with the attached Schedule A
dated as of August 1, 2000.

All terms and conditions of the Participation Agreement and Schedules thereto
shall continue in full force and effect except as modified hereby.

In witness whereof, each of the parties has caused this agreement to be executed
in its name and on its behalf by its duly authorized representative as of the
date specified below.

FIRST ALLMERICA FINANCIAL
LIFE INSURANCE COMPANY

By:      _/s/ Richard M. Reilly___________

Name:    ___Richard M. Reilly __________

Title:   ___Vice President______________

Date:    ___July 19, 2000_______________

<TABLE>
<CAPTION>
VARIABLE INSURANCE                                    FIDELITY DISTRIBUTORS
PRODUCTS FUND II                                      CORPORATION
<S>                                                   <C>
By:      _/s/ Robert C. Pozen___________              By:      __/s/ Kevin J. Kelly____________

Name:    ___ Robert C. Pozen ___________              Name:    ____Kevin J. Kelly ____________

Title:   ____Senior Vice President_______             Title:   ____Vice President____________

Date:    ____July 25, 2000_____________               Date:    ____July 25, 2000      __________
</TABLE>

<PAGE>

                                   Schedule A

                   Separate Accounts and Associated Contracts

<TABLE>
<CAPTION>
Name of Separate Account                    Contract Name and Form Numbers              Registration Numbers
and Date Established by Board               by Separate Account                         of Contracts
of Directors                                -------------------                         ------------
------------
<S>                                         <C>                                         <C>
VEL II                                      Vari-Exceptional Life '93                   33-71056
(Variable Life)                             Policy Form 1018-94                         811-8130
8/20/91

Inheiritage                                 Inheiritage                                 33-74184
(Variable Life)                             Policy Form 1026-94                         811-8304
8/20/91

Group VEL                                   Group Vari-Exceptional Life                 333-06383
(Variable Life)                             Policy Form 1029-94                         811-7663
8/20/91

VA-K                                        Allmerica ExecAnnuity Plus                  33-71052
(Annuity)                                   Policy Form A3018-94                        811-8114
8/20/91
                                            Allmerica Advantage                         33-71052
                                            Policy Form A3025-96                        811-8114

                                            Allmerica Immediate Advantage               333-81859
                                            Policy Form A3029-99                        811-8114

                                            Allmerica Accumulator                       333-87105
                                            Policy Form A3030-00                        811-8114

                                            Allmerica Ultimate Advantage                333-38276
                                            Policy Form A3033-00                        811-8114

Allmerica Select                            Allmerica Select Resource                   33-71058
(Annuity)                                   Policy Form A3020-94                        811-8116
8/20/91
                                            Allmerica Select Resource II                33-71058
                                            Policy Form A3025-96                        811-8116

                                            Allmerica Select Charter                    333-63087
                                            Policy Form A3027-98                        811-8116
</TABLE>