Document:

Exhibit 4(b)

                                  AMENDMENT TO

                          INVESTMENT ADVISORY AGREEMENT

         This AMENDMENT, dated as of October 31, 2003, amends the Investment
Advisory Agreement (as defined below) between Travelers Asset Management
International Company LLC (formerly, Travelers Asset Management International
Corporation) ("TAMIC") and The Travelers Growth and Income Stock Account for
Variable Annuities (the "Account").

                                   WITNESSETH:

         WHEREAS, TAMIC and the Account have previously entered into an
investment advisory agreement with respect to the Account (the "Agreement"),
dated May 1, 1998;

         WHEREAS, TAMIC and the Account desire to amend the Agreement as set
forth herein;

         NOW THEREFORE, in consideration of the foregoing premises, TAMIC and
the Account hereby amend and modify the Agreement:

         1. By adding the following sub-section (f) to Section 2 of the
         Agreement:

         f.       vote proxies on securities held by the Account or delegate
         such responsibility to a sub-adviser appointed pursuant to this
         Agreement. TAMIC represents that it or its delegee has adopted and
         implemented written policies and procedures reasonably designed to
         ensure that it will vote proxies in the best interest of the Account
         and its unit holders, which policies and procedures describe how TAMIC
         or its delegee addresses material conflicts of interest between its
         interests and those of the Account with respect to proxy voting. TAMIC
         shall furnish the Account with such information reasonably requested by
         the Account, in such form as may be requested, as is necessary (1) for
         a summary description of TAMIC's or its delegee's proxy voting policies
         and procedures to be included in the registration statement with
         respect to the Account, and (2) for the proxy voting record for the
         Account to be filed with the SEC in accordance with the requirements of
         Form N-PX (or any successor form).

         IN WITNESS WHEREOF, this Amendment to the Agreement has been executed
by a duly authorized representative of each of the parties hereto as of the date
of the Amendment first set forth above.

                                        Travelers Asset Management International
                                        Company LLC

                                        By: /s/ David A. Tyson
                                           __________________________

                                        As:__________________________

                                        The Travelers Growth and Income Stock
                                        Account for Variable Annuities

                                        By: /s/ K A McGah
                                           ___________________________

                                        As: Asst Secy
                                           ___________________________Exhibit 4(c)

                                  AMENDMENT TO
                             SUB-ADVISORY AGREEMENT

         This AMENDMENT, dated as of October 31, 2003, amends the Sub-Advisory
Agreement (as defined below) between Travelers Asset Management International
Company LLC (formerly, Travelers Asset Management International Corporation)
("TAMIC"), on behalf of The Travelers Growth and Income Stock Account for
Variable Annuities (the "Account"), and The Travelers Investment Management
Company (the "Sub-Adviser").

                                   WITNESSETH:

         WHEREAS, TAMIC and the Sub-Adviser have previously entered into a
sub-advisory agreement with respect to the Account (the "Agreement"), dated May
1, 1998;

         WHEREAS, TAMIC and the Sub-Adviser desire to amend the Agreement as set
forth herein;

         NOW THEREFORE, in consideration of the foregoing premises, TAMIC and
the Sub-Adviser hereby amend and modify the Agreement:

         1. By adding the following sub-section (viii) to Section 4 of the
         Agreement entitled Services as Sub-Adviser:

         The Sub-Adviser shall be responsible for voting proxies on securities
         held by the Account. The Sub-Adviser represents that it has adopted and
         implemented written policies and procedures reasonably designed to
         ensure that it will vote proxies in the best interest of the Account
         and its shareholders, which policies and procedures describe how the
         Sub-Adviser addresses material conflicts of interest between its
         interests and those of the Account with respect to proxy voting. The
         Sub-Adviser shall furnish TAMIC with such information reasonably
         requested by TAMIC, in such form as may be requested, as is necessary
         (1) for a summary description of the Sub-Adviser's proxy voting
         policies and procedures to be included in the registration statement
         with respect to the Account, and (2) for the proxy voting record for
         the Account to be filed with the SEC in accordance with the
         requirements of Form N-PX (or any successor form).

         2. By adding the following new Section 16 to the Sub-Advisory
         Agreement:

         16. CONSULTATION WITH OTHER SUB-ADVISERS

         The Sub-Adviser shall not consult with any other sub-adviser to the
         Account or any sub-adviser to any other investment company or
         investment company series for which TAMIC serves as investment adviser
         concerning transactions for the Account in securities or other assets.

                  IN WITNESS WHEREOF, this Amendment to the Agreement has been
         executed by a duly authorized representative of each of the parties
         hereto as of the date of the Amendment first set forth above.

                                                   Travelers Asset Management
                                                   International Company LLC

                                                   By: /s/ David A. Tyson
                                                      __________________________

                                                   As:__________________________

                                                   The Travelers Investment
                                                   Management Company

                                                   By: S A Bhagat
                                                      __________________________

                                                   As:__________________________Exhibit 4(a)

                                  AMENDMENT TO
                          INVESTMENT ADVISORY AGREEMENT

         This AMENDMENT, dated as of October 31, 2003, amends the Investment
Advisory Agreement (as defined below) between Travelers Asset Management
International Company LLC (formerly, Travelers Asset Management International
Corporation) ("TAMIC") and The Travelers Money Market Account for Variable
Annuities (the "Account").

                                   WITNESSETH:

         WHEREAS, TAMIC and the Account have previously entered into an
investment advisory agreement with respect to the Account (the "Agreement"),
dated December 30, 1992;

         WHEREAS, TAMIC and the Account desire to amend the Agreement as set
forth herein;

         NOW THEREFORE, in consideration of the foregoing premises, TAMIC and
the Account hereby amend and modify the Agreement:

         1. By adding the following sub-section (f) to Section 2 of the
         Agreement:

         f. vote proxies on securities held by the Account or delegate such
         responsibility to a sub-adviser appointed to provide investment advice
         or other services to the Account. TAMIC represents that it or its
         delegee has adopted and implemented written policies and procedures
         reasonably designed to ensure that it will vote proxies in the best
         interest of the Account and its unit holders, which policies and
         procedures describe how TAMIC or its delegee addresses material
         conflicts of interest between its interests and those of the Account
         with respect to proxy voting. TAMIC shall furnish the Account with such
         information reasonably requested by the Account, in such form as may be
         requested, as is necessary (1) for a summary description of TAMIC's or
         its delegee's proxy voting policies and procedures to be included in
         the registration statement with respect to the Account, and (2) for the
         proxy voting record for the Account to be filed with the SEC in
         accordance with the requirements of Form N-PX (or any successor form).

<PAGE>

         IN WITNESS WHEREOF, this Amendment to the Agreement has been executed
by a duly authorized representative of each of the parties hereto as of the date
of the Amendment first set forth above.

                                 Travelers Asset Management International
                                 Company LLC

                                 By: /s/ David A Tyson
                                    --------------------------

                                 As: President
                                    --------------------------

                                 The Travelers Money Market Account for Variable
                                 Annuities

                                 By: /s/ K A McGah
                                    --------------------------

                                 As: Asst. Secy.
                                    --------------------------Exhibit 4(a)

                                  AMENDMENT TO
                          INVESTMENT ADVISORY AGREEMENT

         This AMENDMENT, dated as of October 31, 2003, amends the Investment
Advisory Agreement (as defined below) between The Travelers Investment
Management Company ("TIMCO") and The Travelers Timed Aggressive Stock Account
for Variable Annuities (the "Account").

                                   WITNESSETH:
                                   ----------

         WHEREAS, TIMCO and the Account have previously entered into an
investment advisory agreement with respect to the Account (the "Agreement"),
dated December 30, 1992;

         WHEREAS, TIMCO and the Account desire to amend the Agreement as set
forth herein;

         NOW THEREFORE, in consideration of the foregoing premises, TIMCO and
the Account hereby amend and modify the Agreement:

         1. By adding the following sub-section (f) to Section 2 of the
         Agreement:

         f. vote proxies on securities held by the Account or delegate such
         responsibility to a sub-adviser appointed to provide investment advice
         or other services to the Account. TIMCO represents that it or its
         delegee has adopted and implemented written policies and procedures
         reasonably designed to ensure that it will vote proxies in the best
         interest of the Account and its unit holders, which policies and
         procedures describe how TIMCO or its delegee addresses material
         conflicts of interest between its interests and those of the Account
         with respect to proxy voting. TIMCO shall furnish the Account with such
         information reasonably requested by the Account, in such form as may be
         requested, as is necessary (1) for a summary description of TIMCO's or
         its delegee's proxy voting policies and procedures to be included in
         the registration statement with respect to the Account, and (2) for the
         proxy voting record for the Account to be filed with the SEC in
         accordance with the requirements of Form N-PX (or any successor form).

<PAGE>

         IN WITNESS WHEREOF, this Amendment to the Agreement has been executed
by a duly authorized representative of each of the parties hereto as of the date
of the Amendment first set forth above.

                                         The Travelers Investment Management
                                         Company

                                         By: /s/ S A Bhagat

                                         As: President

                                         The Travelers Timed Aggressive Stock
                                         Account for Variable Annuities

                                         By: /s/ K A McGah

                                         As: Asst Secy

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