EXHIBIT 1O(I)(3)




                                AMENDMENT FOUR TO
                               MARKETING AGREEMENT



THIS FOURTH  AMENDMENT TO THE MARKETING  AGREEMENT is entered into this 19th day
of  November,   2002,  and  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. Add to APPENDIX A, Policy Forms, as follows:


--------------------------------- -------------------------- -------------------
Product Name                      Policy Form Numbers        Effective Dates
------------------------------------------------------------ -------------------

*

--------------------------------- -------------------------- -------------------

*                                 *                          *

--------------------------------- -------------------------- -------------------

*                                 *                          *

--------------------------------- -------------------------- -------------------

*                                 *                          *

--------------------------------- -------------------------- -------------------


<PAGE>

2.  Add to APPENDIX B, "Commission," as follows:

<TABLE>
<CAPTION>
--------------------- ---------------------- ----------------------------------------------------------------------------------
                                                                           Compensation to Legacy
                                             ----------------------------------------------------------------------------------
                                                             Age Mandated Commission
                                                                    Reduction
                                                         ---------------------------------
                                                            (b)                                                       (g)
                                                           Comm.       (c)          (d)       (e)                     LMG
                      Policy Form Numbers/         (a)     Reduces      %          Trail      Mkt.       (f)         Trail
    Product Name         Effective Dates       Commission  @ Age     Reduction    (Annual)    Allow.   Override       Com.
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
<S>                   <C>                         <C>        <C>         <C>         <C>        <C>        <C>         <C>
*
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
*                     *                           *          *           *           *          *          *           *
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
*                     *                           *          *           *           *          *          *           *
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
*                     *                           *          *           *           *          *          *           *
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------

</TABLE>

     3. Appendix D,  "Schedule of Authorized  Personnel,"  is hereby  amended to
read as follows:

          Representing Legacy Marketing Group

          Lynda L. Regan, Chief Executive Officer
          R. Preston Pitts, President
          Steve Taylor, Chief Financial Officer
           Don Dady, Vice President of Marketing

          Representing Transamerica


          *
          *
          *
          *

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




IN WITNESS HEREOF, the parties have hereto executed this Agreement.


LEGACY MARKETING GROUP                    TRANSAMERICA LIFE INSURANCE AND
                                          ANNUITY COMPANY

By: /s/ Don Dady                          By: /s/ Ken Kilbane

Title: Vice President                     Title: Vice President

Witness: /s/ Jackie Petersen              Witness: /s/ Caroline Kirst

Date: November 21, 2002                   Date: November 25, 2002


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