EXHIBIT 10.1

                                AMENDMENT SIX TO
                               MARKETING AGREEMENT


THIS SIXTH  AMENDMENT  TO THE  MARKETING  AGREEMENT  is  effective  as indicated
herein,  by  and  between  TRANSAMERICA  LIFE  INSURANCE  AND  ANNUITY  COMPANY,
hereinafter  referred to as  "Transamerica," a North Carolina  corporation,  and
LEGACY  MARKETING  GROUP,   hereinafter  referred  to  as  "LMG,"  a  California
corporation.

WHEREAS,  Transamerica and LMG entered into a Marketing Agreement, dated May 29,
1998,  as  amended,   hereinafter   referred  to  as  the  "Agreement,"  wherein
Transamerica  and LMG agreed to jointly develop  proprietary  annuity  products,
wherein LMG would market such products on behalf of Transamerica,  utilizing its
nationwide  distribution  channels of duly licensed and  appointed  Producers in
consideration of the fees as set forth in APPENDIX B of the Agreement.

NOW,  THEREFORE,  in consideration of the foregoing recitals and mutual promises
hereinafter  contained  and other good and valuable  consideration,  the parties
hereto do agree as follows:

         1.   Appendix A, attached hereto, is restated in its entirety effective
              June 30, 2003.

         2.   Appendix B, attached hereto, is restated in its entirety effective
              June 30, 2003.

         3.   All other  provisions in the Agreement  not  specifically  amended
              above remain in effect and unchanged.


IN WITNESS HEREOF, the parties have hereto executed this Amendment No. 6.


LEGACY MARKETING GROUP


By: /s/ Don Dady
Title: VP of Marketing
Date: August 29, 2003


TRANSAMERICA LIFE INSURANCE AND
ANNUITY COMPANY


By: /s/ Ken Kilbane
Title: VP
Date: September 13, 2003


<PAGE>

                                   APPENDIX A
                               MARKETING AGREEMENT
                                  June 30, 2003

                              GEOGRAPHIC TERRITORY:
  All states (except New York, Hawaii and Alabama) and the District of Columbia

                                                   POLICY FORMS
<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------------------
PRODUCT NAME                        POLICY FORM NUMBERS*                Effective Dates              Discontinuance Dates
------------------------------------------------------------------------------------------------------------------------------------
<S>                                 <C>                                <C>                         <C>
SelectMark(R) Series
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)5 75/25                T-CTMY0298-5-75/25;                 5/29/98                      3/3/03
                                    T-PTMY0298-5-7525
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)7 75/25                T-CMY0799-7-75/25;                  10/18/99                     3/3/03
                                    T-PMY0799-7-75/25
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 75/25               T-CTMY0298-10-75/25;                5/29/98                      3/3/03
                                    T-PTMY0298-10-75/25
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R)  Secure Series
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R)5 Secure (formerly     T-CTMY0298-5-50/50;                 7/10/2000                    3/3/03
known as the SelectMark(R)5 50/50)  T-PTMY0298-5-50/50                  (5/29/98 for
                                                                        SelectMark(R) 5 50/50)
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)7 Secure (formerly     T-CMY0799-7-50/50;                  7/10/2000                    3/3/03
known as the SelectMark(R)7 50/50)  T-PMY0799-7-50/50                   (10/18/99 for SelectMark(R)
                                                                        7 50/50)
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R) Special Edition Series
------------------------------------------------------------------------------------------------------------------------------------
Selectmark(R)5 Special Edition      T-PSMSE-0801-5                      01/02/02                     3/3/03
                                    T-CSMSE-0801-5
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)7 Special Edition      T-CMY0799-7-100;                    10/18/99                     3/3/03
                                    T-PMY0799-7-100
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)7 Special Edition      T-CEIA-0500-7                       7/26/2000                    3/3/03
Equity Index Strategy
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 Special Edition     T-CTMY0298-10-50/50;                2/9/99                       3/3/03 for all states  except
(formerly known as the Select       T-PTMY0298-10-50/50                 (5/29/98 for                 Florida.
Mark(R)10 50/50)                                                         SelectMark(R)10 50/50)        9/1/03 for plan codes ARIH52
                                                                                                     &  ARIR52 in Florida**
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 Special Edition     T-CMY1099-10-100;                   4/6/2000                     3/3/03
with STS                            T-PMY1099-10-100
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 Special Edition     T-CEIA-0500-10;                     7/26/2000                    3/3/03
Equity Index Strategy               T-PEIA-0500-10
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 Special Edition     T-CEIA-0500-10STS;                  7/26/2000                    3/3/03
with STS and Equity Index Strategy  T-PEIA-0500-10STS
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
Selectmark(R)Special Edition Plus   T-C-SMSE-0402-10-4;                 04/30/02                     9/1/03**
4                                   T-P-SMSE-0402-10-4
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
Selectmark(R)Special Edition Plus   T-C-SMSE-0402-10-0;                 05/06/02                     3/3/03
                                    T-P-SMSE-0402-10-0
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R) Elite Series
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R)5 Elite                T-C390-0701-5;                      9/1/01                       9/1/03**
                                    T-P390-0701-5
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)7 Elite                T-C390-0701-7;                      9/1/01                       9/1/03**
                                    T-P390-0701-7
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
SelectMark(R)10 Elite               T-C390-0701-10;                     9/1/01                       9/1/03**
                                    T-P390-0701-10
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                  Page 1 of 2
<PAGE>

<TABLE>
<S>                                 <C>                                <C>                         <C>
------------------------------------------------------------------------------------------------------------------------------------
PreferMark Platinum                 T-CMY0500-9;                        7/26/2000                    7/1/03
                                    T-PMY0500-9
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
PreferMark Gold                     T-CMY0500-10;                       7/26/2000                    7/1/03
                                    T-PMY0500-10
------------------------------------------------------------------------------------------------------------------------------------
Riders
------------------------------------------------------------------------------------------------------------------------------------
Beneficiary Rider                   T-CBR-0799;                         10/18/99
                                    T-PBR-0799
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
Beneficiary Rider Plus              T-PBRII-0400;
                                    T-CBRII-0400                        7/26/2000
----------------------------------- ----------------------------------- ---------------------------- -------------------------------
</TABLE>


*    Including  all  State   required   variations   of  the  above   referenced
     products/policy form numbers

**   Transamerica  and LMG may  determine  that this date may need to be changed
     depending  on how other  product  development  efforts  progress.  Any such
     change shall be set forth in a separate written agreement or amendment.

 "Discontinuance Date"

The  discontinuance  date is the date which on or after no further  applications
will be accepted.

1.    For the products earmarked to be withdrawn effective March 3, 2003, in the
      case of 1035 exchanges and other transfers between financial institutions,
      the application and completed exchange transfer paperwork must be received
      by March 3, 2003, and the transferred  funds completed by June 6, 2003, in
      order for the policy to be issued.

2.    For the products earmarked to be withdrawn  effective July 1, 2003, in the
      case of 1035 exchanges and other transfers between financial institutions,
      the application and completed exchange transfer paperwork must be received
      by July 1, 2003,  and the  transferred  funds  completed by September  26,
      2003, in order for the policy to be issued.

"Unique Features"

The 'Unique" features contained in the policy forms that would preclude LMG from
separately  selling or marketing any products which are the same as those unique
products co-developed by LMG and Transamerica are as follows:

         The Total  Return  Crediting  Rate  Strategy  in  combination  with the
         Multiple Year Crediting Rate Strategy in a fixed annuity.

The  'Unique"  features  contained  in the  policy  forms  that  would  preclude
Transamerica  from  separately  selling or marketing any products  which are the
same as  those  unique  products  co-developed  by LMG and  Transamerica  are as
follows:

         The Total  Return  Crediting  Rate  Strategy  in  combination  with the
         Multiple Year Crediting Rate Strategy in a fixed annuity.

The features  described above as the " Total Return Crediting Rate Strategy" and
"Multiple Year Crediting Rate Strategy" are described in the policy forms listed
in this  Appendix A under the caption or headings  "Total  Return  Strategy" and
"Multiple Year Strategy."


                                  Page 2 of 2

<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

                                   Appendix B

                               MARKETING AGREEMENT

                                  COMPENSATION

                                  June 30, 2003


  All rate changes included in this table are applicable only to applications
             received on or after such referenced effective dates.
<TABLE>
<CAPTION>
                                                                Compensation to Legacy
                                                    -----------------------------------------------------
                                                                                                  (g)
                                                                                                 LMG
                                                                                                 Trail
                                                                                                 Com.
                                                                                                 (AKA
                                                                                                 Adminis
                                                                                                 trative
                                                                                                 Trail
                                                    (a)     (b)     (c)      (d)    (e)          Fee or
                                POLICY FORM                Comm.     %                           Fune
                                 NUMBERS/          Commi- Reduces  Reduct           Mkt.  Over-  One
     PRODUCT NAME              Effective Dates     ssion   @ Age     ion    Trail  Allow  Ride   fee)        Special Rules
  ---------------------------------------------------------------------------------------------------------------------------
<S>                          <C>                      <C>    <C>     <C>      <C>     <C>   <C>     <C>  <C>
  SelectMark(R) Series
  ---------------------------------------------------------------------------------------------------------------------------
                             T-CTMY0298-5-75/25;      o              o                o     o       o
  SelectMark(R) 5 75/25      T-PTMY0298-5-75/25
                             Effective 5/29/98               85               o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             T-CMY0799-7-75/25;       o              o                o     o       o
  SelectMark(R)7 75/25       T-PMY0799-75/25                                  o
                             Effective 10/18/99              85
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             T-CTMY0298-10-75/25;     o              o                o     o       o
  SelectMark(R) 10 75/25     T-PTMY0298-10-75/25
                             Effective 5/29/98               85               o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  ---------------------------------------------------------------------------------------------------------------------------
</TABLE>


                                  Page 1 of 8
<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

<TABLE>
<CAPTION>
                                                                Compensation to Legacy
                                                    -----------------------------------------------------
                                                                                                  (g)
                                                                                                 LMG
                                                                                                 Trail
                                                                                                 Com.
                                                                                                 (AKA
                                                                                                 Adminis
                                                                                                 trative
                                                                                                 Trail
                                                    (a)     (b)     (c)      (d)    (e)          Fee or
                                POLICY FORM                Comm.     %                           Fune
                                 NUMBERS/          Commi- Reduces  Reduct           Mkt.  Over-  One
     PRODUCT NAME              Effective Dates     ssion   @ Age     ion    Trail  Allow  Ride   fee)        Special Rules
  ---------------------------------------------------------------------------------------------------------------------------
<S>                          <C>                      <C>    <C>     <C>      <C>     <C>   <C>     <C>  <C>
  SelectMark(R) Secure Series
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R)5 Secure      T-CTMY0298-5-50/50;      o              o        o       o     o       o
  (formerly known as the     T-PTMY0298-5-50/50
  SelectMark(R)5 50/50)      Effective 7/10/00               85
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)7 Secure      T-CMY0799-7-50/50;       o              o        o       o     o       o
  (formerly known as the     T-PMY0799-7-50/50
  SelectMark(R)7 50/50)      Effective 7/10/00               85
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R) Special Edition Series
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R)5 Special     T-PSMSE-0801-5           o              o        o       o     o       o
  Edition                    T-CSMSE-0801-5
                             Effective 01/02/02              80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)7 Special     T-CMY0799-7-100;         o              o        o       o     o       o
  Edition                    T-PMY0799-7-100
                             Effective 10/18/99              80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)7 Special     T-CEIA-0500-7            o              o        o       o     o       o
  Edition Equity Index
  Strategy                   Effective 7/26/00               80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)10 Special    T-CTMY0298-10-50/50;     o              o        o       o     o       o
  Edition (formerly known    T-PTMY0298-10-50/50
  as the SelectMark(R) 10
  50/50) Effective 2/9/99 80
  ---------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                  Page 2 of 8
<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

<TABLE>
<CAPTION>
                                                                Compensation to Legacy
                                                    -----------------------------------------------------
                                                                                                  (g)
                                                                                                 LMG
                                                                                                 Trail
                                                                                                 Com.
                                                                                                 (AKA
                                                                                                 Adminis
                                                                                                 trative
                                                                                                 Trail
                                                    (a)     (b)     (c)      (d)    (e)          Fee or
                                POLICY FORM                Comm.     %                           Fune
                                 NUMBERS/          Commi- Reduces  Reduct           Mkt.  Over-  One
     PRODUCT NAME              Effective Dates     ssion   @ Age     ion    Trail  Allow  Ride   fee)        Special Rules
  ---------------------------------------------------------------------------------------------------------------------------
<S>                          <C>                      <C>    <C>     <C>      <C>     <C>   <C>     <C>  <C>
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  1/1/03        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  6/30/03       o      80      o        o       o     o       o    For FL Plan Codes
                                                                                                         ARIH52 & ARIR52
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)10 Special    T-CMY1099-10-100;        o              o        o       o     o       o
  Edition with STS           T-PMY1099-10-100
                             Effective 4/6/00                80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  1/2/03        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)10 Special    T-CEIA-0500-10;          o              o        o       o     o       o
  Edition Equity Index       T-PEIA-0500-10
  Strategy                   Effective 7/26/00               80
                              --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  1/2/03        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)10 Special    T-CEIA-0500-10STS;       o              o        o       o     o       o
  Edition with STS and       T-PEIA-0500-10STS
  Equity Index Strategy      Effective 7/26/00               80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  1/2/03        o      80      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------

  SelectMark(R)Special       T-C-SMSE-0402-10-0;      o              o        o       o     o       o
  Edition Plus               T-P-SMSE-0402-10-0
                             Effective 5/6/02                80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective  1/2/03        o      80      o        o       o     o       o
  ---------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                  Page 3 of 8
<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

<TABLE>
<CAPTION>
                                                                Compensation to Legacy
                                                    -----------------------------------------------------
                                                                                                  (g)
                                                                                                 LMG
                                                                                                 Trail
                                                                                                 Com.
                                                                                                 (AKA
                                                                                                 Adminis
                                                                                                 trative
                                                                                                 Trail
                                                    (a)     (b)     (c)      (d)    (e)          Fee or
                                POLICY FORM                Comm.     %                           Fune
                                 NUMBERS/          Commi- Reduces  Reduct           Mkt.  Over-  One
     PRODUCT NAME              Effective Dates     ssion   @ Age     ion    Trail  Allow  Ride   fee)        Special Rules
  ---------------------------------------------------------------------------------------------------------------------------
<S>                          <C>                      <C>    <C>     <C>      <C>     <C>   <C>     <C>  <C>
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R)Special       T-C-SMSE-0402-10-4;      o              o        o       o     o       o
  Edition Plus 4             T-P-SMSE-0402-10-4
                             Effective 4/30/02               80
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      80      o        o       o     o       o
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 6/30/03        o      80      o        o       o     o       o
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R) Elite Series
  ---------------------------------------------------------------------------------------------------------------------------
  SelectMark(R)5 Elite       T-C390-0701-5;           o              o        o       o     o       o
                             T-P390-0701-5
                             Effective 9/1/01                85
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 6/30/03        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  SelectMark(R)7 Elite       T-C390-0701-7;           o              o        o       o     o       o
                             T-P390-0701-7
                             Effective 9/1/01                85
                            --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 6/30/03        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
   SelectMark(R)10 Elite     T-C390-0701-10;          o              o        o       o     o       o
                             T-P390-0701-10
                             Effective 9/1/01                85
                             --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
                             Effective 6/30/03        o      85      o        o       o     o       o
  ---------------------------------------------------------------------------------------------------------------------------
</TABLE>

                                  Page 4 of 8
<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

<TABLE>
<CAPTION>
                                                                Compensation to Legacy
                                                    -----------------------------------------------------
                                                                                                  (g)
                                                                                                 LMG
                                                                                                 Trail
                                                                                                 Com.
                                                                                                 (AKA
                                                                                                 Adminis
                                                                                                 trative
                                                                                                 Trail
                                                    (a)     (b)     (c)      (d)    (e)          Fee or
                                POLICY FORM                Comm.     %                           Fune
                                 NUMBERS/          Commi- Reduces  Reduct           Mkt.  Over-  One
     PRODUCT NAME              Effective Dates     ssion   @ Age     ion    Trail  Allow  Ride   fee)        Special Rules
  ---------------------------------------------------------------------------------------------------------------------------
<S>                          <C>                      <C>    <C>     <C>      <C>     <C>   <C>     <C>  <C>
  ---------------------------------------------------------------------------------------------------------------------------
  PreferMark Series
  ---------------------------------------------------------------------------------------------------------------------------
  PreferMark Platinum        Y-CMY0500--9;            o              o        o       o     o       o    Age-mandated
                             T-PMY0500-9                                                                 commission
                                                                                                         reduction also
                             Effective 7/26/00               85                                          applies to override
                             --------------------- ------- ------ -------- -------- ----- ------ -------
                             Effective 12/1/02        o      85      o        o       o     o       o
  -------------------------- --------------------- ------- ------ -------- -------- ----- ------ ------- --------------------
  PreferMark Gold            T-CMY0500-10;            o              o        o       o     o       o    Age-mandated
                             T-PMY0500-10                                                                commission
                                                                                                         reduction also
                             Effective 7/26/00               85                                          applies to override
                             --------------------- ------- ------ -------- -------- ----- ------ -------
                             Effective 12/1/02        o      85      o        o       o     o       o
-----------------------------------------------------------------------------------------------------------------------------
</TABLE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC


     GENERAL COMPENSATION RULES

    1.   Base Commission (Column (a) above):

         Transamerica  will pay LMG on the last  business  day of the week  base
         commissions for all premiums  received in cash by LMG during that week,
         i.e., the prior Friday through Thursday,  in the specified  percentages
         indicated  in  Column  (a)  above.  Such  commissions  will  be paid by
         Transamerica to LMG by Transamerica authorizing LMG to write a check to
         itself  against  the  Transamerica  Disbursement  account for the total
         weekly commission amount.

         Additional  premiums  will  be  subject  to the  same  base  commission
         percentages noted above as the initial premium.


         In addition to the base commission  rates specified in Column (a) above
         Transamerica will pay LMG an additional commission as follows:

                 (1) o of all premiums  received on or before August 31, 2001 by
                 LMG for the  SelectMark(R)  10 Special  Edition  (for  premiums
                 received  after  October 18,  1999),  SelectMark(R)  10 Special
                 Edition  Equity Index  Strategy,  SelectMark(R)  10 STS Special
                 Edition  Equity  Index  Strategy and  SelectMark(R)  10 Special
                 Edition with STS products for  applications  received by Legacy
                 for such products on or before August 31, 2001, and in the case
                 of  1035  exchanges  and  other  transfers   between  financial
                 institutions,  the application and completed  exchange/transfer
                 paperwork  must be  received  by LMG by August 31, 2001 and the
                 cash received by November 30, 2001 for  Transamerica to pay the
                 extra o bonus.


                                  Page 5 of 8
<PAGE>

 o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

                 (2) o of all premiums  received during the period  September 1,
                 2001 and September 30, 2001 for such products for  applications
                 received  by LMG  for  such  products.  In  the  case  of  1035
                 exchanges and other transfers between  financial  institutions,
                 the application and completed  exchange/transfer paperwork must
                 be received by LMG between  September 1 and September  30th and
                 the cash received by November 30, 2001 for  Transamerica to pay
                 the extra o bonus.

         Note: As a practical  matter,  LMG's  administrative  system will treat
         additional  deposits  on inforce  policies  in the same  manner as cash
         received on 1035  exchanges  and other  transfers  with  respect to the
         above  rules.  Transamerica  agrees  to this  treatment  on  additional
         deposits based on (1) LMG's  representation  that  additional  deposits
         will not be material  and (2) LMG's  agreement  that this  treatment on
         additional deposits will not be disclosed in any manner to producers or
         policyholders. LMG also agrees to limit disclosure of this treatment on
         additional deposits to LMG employees on a "need to know" basis.

    2.   Age  Mandated  and  Voluntary  Trail  Selection   Commission  Reduction
         (Columns (b), (c) and (d) above):

         The following  provision applies to payment of all base commissions for
         all products  subject to this  Agreement  (see below for separate rules
         for  PreferMark  Gold and  PreferMark  Platinum)  if the  issue  age is
         greater than 79 (in the case of SelectMark(R) Special Edition products)
         and 84 for other products, or voluntary trail compensation is selected.
         The o additional  commission  payable for the  SelectMark(R)  10 series
         products is considered part of the base commission.


         If the  issue  age is  greater  than 79 or 84 as  defined  in the Death
         Benefit Proceeds  provision of the applicable  policy form or voluntary
         trail  compensation  is selected,  base  commissions are reduced by the
         percentage shown in Column (c). A trail base commission is paid monthly
         beginning  in  policy  year 2.  Column  (d)  reflects  the  trail  base
         commission  percentage  on an annual  basis  (calculated  as Column (a)
         multiplied  by the  percentage in Column (c) divided by 10). This trail
         base  commission is paid monthly (the payable  amount,  calculated each
         month, is the Column (d) annual percentage divided by 12 and multiplied
         by the annuity cash value). The monthly trail base commission continues
         to be paid until  death of the  annuitant,  surrender  of the policy or
         election of a settlement option.


         With regard to PreferMark  Gold and PreferMark  Platinum,  if the issue
         age of a policy is  greater  than 84 as  defined  in the Death  Benefit
         Proceeds  provision of such policy form or voluntary trail compensation
         is selected,  the applicable base commission percentage is reduced by o
         for all premiums  received for that policy. No monthly trail commission
         is payable.


                                  Page 6 of 8
<PAGE>

  o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC

    3.   Marketing Allowance (Column (e) above):

         Transamerica  will pay to LMG a Marketing  Allowance  for all  premiums
         received by LMG in the  specified  percentages  indicated in Column (e)
         above. LMG will bill Transamerica  weekly and Transamerica will pay LMG
         such Marketing Allowance by wire transfer within five (5) business days
         of receipt of such documentation.

    4.   Override Commission (Column (f) above):

         Transamerica  will  pay to LMG an  override  commission  (on  the  last
         business day of the week) for all premiums  received by LMG during that
         week, in the specified percentages indicated in Column (f) above.


         The override  commission  percentages  in Column (f) include o which is
         paid back to  Transamerica  by LMG at the end of each  fiscal year (for
         this  purpose  each  fiscal  year  begins  on  August 1 and ends on the
         following  July 31) for the first  $100  million of  aggregate  premium
         received by LMG during that fiscal year for all  (excluding  PreferMark
         Gold and  PreferMark  Platinum)  products (net of premiums  returned to
         policyholders  under  free look  provisions  if the  aggregate  premium
         received  by LMG for the fiscal  year is less than $100  million).  LMG
         will retain the o on all premiums received in excess of $100 million in
         each fiscal year.  Notwithstanding  the foregoing,  LMG's obligation to
         pay Transamerica the  aforementioned o shall terminate upon LMG's final
         payment of o for the fiscal year ending July 31, 2001.

         With regard to PreferMark  Gold and PreferMark  Platinum,  if the issue
         age of a policy is  greater  than 84 as  defined  in the Death  Benefit
         Proceeds  provision  of  such  policy  form  the  applicable   override
         commission  percentage  is reduced by o for all  premiums  received for
         that policy.


                                  Page 7 of 8
<PAGE>

         LMG Trail Commission (Column (g) above):

              With respect to  applicable  policies,  Transamerica  will pay LMG
              trail  commission  at the  annual  rate shown in column (g) above,
              paid  monthly,  times the total Annuity Cash Value of the policies
              sold  under this  Agreement.  For the  purpose  of the  foregoing,
              Annuity Cash Value is the contract's Cash Value which reflects any
              applicable  reductions,  loans and withdrawals.  The commission is
              based on the total month end  Annuity  Cash Value and will be paid
              within six (6) business days of month end by Transamerica via wire
              transfer to an LMG bank account.

                                  Page 8 of 8