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                                                                    Exhibit 4(c)

                     FIRST SUNAMERICA LIFE INSURANCE COMPANY

                    INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT

This Endorsement amends the Contract or Certificate ("Contract") to which it is
attached so that it may qualify as an Individual Retirement Annuity (IRA) under
Section 408(b) of the Internal Revenue Code (Code) and the Regulations under
that Section. The endorsement may be amended from time to time to comply with
changes in the Internal Revenue Code. Any such change would be subject to New
York State Department of Insurance approval. The Owner or Participant ("Owner")
has the right to refuse to accept any such amendment; however, We shall not be
held liable for any tax consequences incurred by the Owner as a result of such
refusal. In the case of a conflict with any provision in the Contract, the
provisions of this Endorsement will control. The effective date of this
Endorsement is the Contract Date shown on the Contract Data Page. The Contract
is amended as follows:

1.   The Owner, Annuitant and Payee shall be the same individual. The Owner,
     Annuitant and Payee cannot be changed, except as otherwise permitted under
     the Code and applicable regulations. All distributions made while the Owner
     is alive must be made to the Owner.

2.   The interest of the Owner under this Contract shall be nonforfeitable
     except as provided by law.

3.   This Contract may not be sold, assigned, discounted, pledged as collateral
     for a loan or as security for the performance of any obligation or for any
     other purpose, or otherwise transferred (other than a transfer incident to
     a divorce or separation instrument in accordance with Section 408(d)(6) of
     the Code) to any person other than to the Company.

4.   This Contract is established for the exclusive benefit of the Owner and his
     or her Beneficiary(ies).

5.   Purchase Payment(s) are flexible. You may change the amounts, frequency
     and/or timing of Purchase Payments.

6.   (a) Except in the case of a rollover contribution (as permitted by Code
     (S)(S) 402(c), 402(e)(6), 403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3) and
     457(e)(16)) or a contribution made in accordance with the terms of a
     Simplified Employee Pension (SEP) as described in ss. 408(k), no
     contributions will be accepted unless they are in cash, and the total of
     such contributions shall not exceed:

          (1) $3,000 for any taxable year beginning in 2002 through 2004;
          (2) $4,000 for any taxable year beginning in 2005 through 2007; and
          (3) $5,000 for any taxable year beginning in 2008 and years
          thereafter.

     After 2008, the limit will be adjusted by the Secretary of the Treasury for
     cost-of-living increases under Code (S) 219(b)(5)(C). Such adjustments
     will be in multiples of $500.

     (b) In the case of an individual who is age 50 or older, the annual cash
     contribution limit is increased by:

          (1) $500 for any taxable year beginning in 2002 through 2005; and
          (2) $1,000 for any taxable year beginning in 2006 and years
              thereafter.

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     (c) No contributions will be accepted under a SIMPLE IRA plan established
     by any employer pursuant to (S) 408(p). Also, no transfer or rollover of
     funds attributable to contributions made by a particular employer under its
     SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is, an IRA used in
     conjunction with a SIMPLE IRA plan, prior to the expiration of the 2-year
     period beginning on the date the Owner first participated in that
     employer's SIMPLE IRA plan.

7.   Any refund of premiums (other than those attributable to excess
     contributions) will be applied, before the close of the calendar year
     following the year of the refund, toward the payment of future premiums or
     the purchase of additional benefits.

8.   (a) Notwithstanding any provision of this IRA to the contrary, the
     distribution of the Owner's interest in the IRA shall be made in accordance
     with the requirements of Code (S) 408(b)(3) and the regulations thereunder,
     the provisions of which are herein incorporated by reference. If
     distributions are not made in the form of an annuity on an irrevocable
     basis (except for acceleration), then distribution of the interest in the
     IRA (as determined under section 9 (c)) must satisfy the requirements of
     Code (S) 408(a)(6) and the regulations thereunder, rather than paragraphs
     (b), (c) and (d) below and section 9.

     (b) The entire interest of the Owner for whose benefit the Contract is
     maintained will commence to be distributed no later than the first day of
     April following the calendar year in which such Owner attains age 70 1/2
     (the "required beginning date") over: (a) the life of such individual or
     the lives of such individual and his or her designated beneficiary or (b) a
     period certain not extending beyond the life expectancy of such individual
     or the joint and last survivor expectancy of such individual and his or her
     designated beneficiary. Payments must be made in periodic payments at
     intervals of no longer than 1 year and must be either nonincreasing or they
     may increase only as provided in Q&As-1 and -4 of (S) 1.401(a)(9)-6T of the
     Temporary Income Tax Regulations. In addition, any distribution must
     satisfy the incidental benefit requirements specified in Q&A-2 of
     (S) 1.401(a)(9)-6T.

     (c) The distribution periods described in paragraph (b) above cannot exceed
     the periods specified in (S) 1.401(a)(9)-6T of the Temporary Income Tax
     Regulations.

     (d) The first required payment can be made as late as April 1 of the year
     following the year the individual attains age 70 1/2 and must be the
     payment that is required for one payment interval. The second payment need
     not be made until the end of the next payment interval.

9.   Unless otherwise permitted under applicable law, upon the death of the
     Owner:

     (a) Death On or After Required Distributions Commence. If the Owner dies on
     or after required distributions commence, the remaining portion of his or
     her interest will continue to be distributed under the Contract option
     chosen.

     (b) Death Before Required Distributions Commence. If the Owner dies before
     required distributions commence, his or her entire interest will be
     distributed at least as rapidly as follows:

     (1) If the designated beneficiary is someone other than the Owner's
     surviving spouse, the entire interest will be distributed, starting by the
     end of the calendar year following the calendar year of the Owner's death,
     over the remaining life expectancy of the designated beneficiary, with such
     life expectancy determined using the age of the beneficiary as of his or
     her birthday in the year following the year of the Owner's death, or, if
     elected, in accordance with paragraph (b)(3) below.

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     (2) If the Owner's sole designated beneficiary is the Owner's surviving
     spouse, the entire interest will be distributed, starting by the end of the
     calendar year following the calendar year of the Owner's death (or by the
     end of the calendar year in which the Owner would have attained age 70 1/2,
     if later), over such spouse's life, or, if elected, in accordance with
     paragraph (b)(3) below. If the surviving spouse dies before required
     distributions commence to him or her, the remaining interest will be
     distributed, starting by the end of the calendar year following the
     calendar year of the spouse's death, over the spouse's designated
     beneficiary's remaining life expectancy determined using such beneficiary's
     age as of his or her birthday in the year following the death of the
     spouse, or, if elected, will be distributed in accordance with paragraph
     (b)(3) below. If the surviving spouse dies after required distributions
     commence to him or her, any remaining interest will continue to be
     distributed under the Contract option chosen.

     (3) If there is no designated beneficiary, or if applicable by operation of
     paragraph (b)(1) or (b)(2) above, the entire interest will be distributed
     by the end of the calendar year containing the fifth anniversary of the
     Owner's death (or of the spouse's death in the case of the surviving
     spouse's death before distributions are required to begin under paragraph
     (b)(2) above).

     (4) Life expectancy is determined using the Single Life Table in Q&A-1 of
     (S) 1.401(a)(9)-9 of the Income Tax Regulations. If distributions are being
     made to a surviving spouse as the sole designated beneficiary, such
     spouse's remaining life expectancy for a year is the number in the Single
     Life Table corresponding to such spouse's age in the year. In all other
     cases, remaining life expectancy for a year is the number in the Single
     Life Table corresponding to the beneficiary's age in the year specified in
     paragraph (b)(1) or (2) and reduced by 1 for each subsequent year.

     (c) The "interest" in the IRA includes the amount of any outstanding
     rollover, transfer and recharacterization under Q&As-7 and -8 of (S)
     1.408-8 of the Income Tax Regulations and the actuarial value of any other
     benefits provided under the IRA, such as guaranteed death benefits.

     (d) For purposes of paragraphs (a) and (b) above, required distributions
     are considered to commence on the Owner's required beginning date or, if
     applicable, on the date distributions are required to begin to the
     surviving spouse under paragraph (b)(2) above. However, if distributions
     start prior to the applicable date in the preceding sentence, on an
     irrevocable basis (except for acceleration) under an annuity contract
     meeting the requirements of (S) 1.401(a)(9)-6T of the Temporary Income Tax
     Regulations, then required distributions are considered to commence on the
     annuity starting date.

     (e) If the sole designated beneficiary is the Owner's surviving spouse, the
     spouse may elect to treat the IRA as his or her own IRA. This election will
     be deemed to have been made if such surviving spouse makes a contribution
     to the IRA or fails to take required distributions as a beneficiary.

10.  The Company shall furnish annual calendar year reports concerning the
     status of the annuity and such information concerning minimum required
     distributions as is prescribed by the Commissioner of Internal Revenue.

11.  Except to the extent Treasury regulations allow Us to offer additional
     Annuity Payment Options that are acceptable to Us, only the Annuity Payment
     Options as described in the Contract shall be offered unless We consent to
     the use of an additional option.

     Any additional Annuity Payment Option under the Contract must meet the
     requirements of section 408(b) of the Code and applicable regulations. The
     provisions of this Endorsement

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     reflecting the requirements of Code Sections 401(a)(9) and 408(b) override
     any additional Annuity Payment Option inconsistent with such requirements.

     If a guaranteed or specified period of payments is chosen under an Annuity
     Payment Option, the length of the period must not exceed the shorter of (1)
     the Owner's life expectancy, or if a designated second person is named, the
     joint and last survivor expectancy of the Owner and the designated second
     person, and (2) the applicable maximum period under Section 1.401(a)(9)-2
     of the Income Tax Regulations.

12.  If you return the Contract within 10 days after the Contract Date, the
     Company will refund the amount of your Purchase Payments, without
     adjustment for such items as sales commissions, administrative expenses,
     and fluctuation in market value for the Valuation Period in which the
     Contract is received. We reserve the right to allocate your Purchase
     Payment(s) to the Cash Management Subaccount or the Money Market Portfolio,
     whichever is applicable, until the end of the Right to Examine period.
     Thereafter, allocations will be made as You have specified and/or shown on
     the Contract Data Page.

13.  The provisions of this Endorsement are intended to comply with the
     requirements of the Code and applicable regulations for IRAs under Section
     408(b) of the Code. The Company reserves the right to amend the Contract
     and this Endorsement from time to time when such amendment is necessary to
     assure continued qualification of the Contract as an IRA under Section
     408(b) of the Code (and any successor provision) as in effect from time to
     time. The Owner has the right to refuse to accept any such amendment;
     however, we shall not be held liable for any tax consequences incurred by
     the Owner as a result of such refusal.

14.  In the absence of federal legislative action, one or more of the provisions
     of the Code that are reflected in this Endorsement will automatically
     expire on January 1, 2011. In the event of such automatic expiration, such
     provisions shall cease to apply under this Endorsement.

All other terms and conditions of the Contract remain unchanged.

Signed for the Company to be effective on the Contract Date.

FIRST SUNAMERICA LIFE INSURANCE COMPANY

                             [GRAPHIC APPEARS HERE]
                         _______________________________
                                 Jay S. Wintrob
                                    PresidentADDENDUM TO ADVISOR AGREEMENT

         FinancialContent, Inc. ("FinancialContent") and Ely Mandell ("Advisor")
(each of FinancialContent  and Advisor a "Party" and collectively the "Parties")
by and through this Addendum to Advisor Agreement  ("Addendum")  hereby mutually
agree in writing to modify the terms of the  Advisor  Agreement  executed by and
between the Parties on October 2, 2002 ("Agreement").

         Now therefore,  in consideration  of past,  present and future services
provided by Advisor to FinancialContent, the Parties agree as follows:

         1.       Advisor  shall  continue to perform the  Services as described
                  under paragraph 2 of the Agreement;

         2.       FinancialContent  shall grant to Advisor an additional fifteen
                  thousand  (15,000) shares of the Company's common stock, to be
                  registered under Form S-8, within a reasonable period of time;

         3.       All terms and  conditions  of the Agreement  unless  otherwise
                  expressly  modified by this Addendum  shall continue to govern
                  the relationship  between the Parties; and 4. This Addendum is
                  contingent  upon the Board of  Directors  of  FinancialContent
                  approving the terms described herein.

Ely Mandell                                 FinancialContent, Inc.
2660 Townsgate Road                         400 Oyster Point Blvd., Suite 435
Suite 160 Second Floor                      So. San Francisco, CA 94080
Westlake Village, CA 91361                  650.837.9850 TEL
805.449.9145 TEL                            650.745.2677 FAX
805.449.9155 FAX

Dated:   12/17/02                           Dated:  12/17/02

/s/ Ely Mandell                             /s/ Wing Yu
---------------------                       ----------------------
    Ely Jay Mandell                             Wing Yu, CEO

                                      6

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                                ADVISOR AGREEMENT

         This Board of Advisor  Agreement  ("Agreement")  is entered  into as of
this  2nd  day  of  October   2002   between   Ely   Mandell   ("Advisor")   and
FinancialContent, Inc. ("Company") on the following terms and conditions:

         1.  Engagement  of Advisor.  Company  wishes to retain the  services of
Advisor to serve on the Company's  Board of Advisors,  and Advisor is willing to
serve on the Company's  Board of Advisors,  subject to the terms and  conditions
set forth herein.

         2. Services to be provided.  Advisor will, on a non-exclusive basis and
consistent with Advisor's other professional commitments, serve on the Company's
Board of Advisors,  introduce Company to channel partners, content partners, and
infrastructure  vendors  known to  Advisor  from his  former  experience  as the
President and CEO of  GoInvest.com,  Inc.  Advisor shall also advise  Company on
strategic corporate development, as well as identify market trends and strategic
business opportunities.  Advisor will make himself available either in person or
telephonically  for all meetings of the Board of Advisors.  Advisor shall not be
required at any time to render  services that would  materially  interfere  with
Advisor's prior professional  obligations.  Company understands and acknowledges
that Advisor  represents  and may  represent in the future,  on a  non-exclusive
basis,  other persons and firms in the fields of computer  technology,  internet
commerce, finance and otherwise.

         3. Consideration.  For Advisor's  services,  Company agrees to grant to
Advisor twenty  thousand  (20,000)  shares of the Company's  common stock, to be
registered  under Form S-8, prior to the  commencement of the services set forth
at paragraph 2, above.

         4. Independent Contractor.  Advisor shall act as an independent Advisor
and  not as an  agent  or  employee  of  Company,  and  Advisor  shall  make  no
representation  to any third  party  that  Advisor  is an agent or  employee  of
Company.  Advisor  shall  have no  authority  to bind  Company  or  incur  other
obligations on behalf of Company.  Advisor shall be responsible for all taxes as
an independent contractor.

         5. Company's  Duties.  Company  agrees to be truthful with Advisor,  to
cooperate, to keep Advisor fully informed of developments,  and to abide by this
Agreement. In addition, Company will pay all out-of -pocket expenses incurred by
Advisor.  However, Advisor shall only be reimbursed for those expenses submitted
to Company for written approval in advance.

         6. Warranties.  Advisor warrants that Advisor is under no obligation to
any  third  party  that  would  prevent  Advisor  from  rendering  the  services
contemplated  by this  Agreement,  and that  Advisor  is free to enter into this
Agreement.  Company  warrants  that Company is under no  obligation to any third
party that would prevent  Company from  performing  its  obligations  under this
Agreement and that Company is free to enter into this Agreement.

         7.  Limitation of Liability;  Indemnity.  Excluding the  limitations on
Advisor's  authority  set forth in  paragraph  4,  above,  Advisor  will have no
liability  to the Company or to any  successor,  other  person or entity for any
action  taken or omitted  to be taken by Advisor in respect to this  engagement.
Company will hold  harmless  Advisor from any and all  liabilities,  costs,  and
expenses (including attorney's fees) incurred by reason of or in any way related
to this engagement to the full extent provided by law.

         8.  Notices.  Any notice  required or permitted  to be given  hereunder
shall  be in  writing  and  shall  be (i)  personally  delivered,  including  by
messenger  or courier  (e.g.,  delivery  by Federal  Express or other  similarly
recognized air express  Company),  or transmitted by first-class  mail,  postage
prepaid, return receipt requested to the address of such party set forth above.

         9. Entire  Agreement.  This Agreement  constitutes the entire agreement
between the parties.  No  modification  or amendment of this Agreement  shall be
binding unless executed in writing by all the parties.

         10.  Assignment.  This  Agreement  is not  assignable  by either  party
without the prior written consent of the other.

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         11.  Arbitration.  Any dispute,  controversy or claim arising out of or
relating to the enforcement, interpretation or alleged breach of this Agreement,
or the services rendered  pursuant to this Agreement,  shall be submitted to and
resolved by binding  arbitration in Los Angeles,  California in accordance  with
the Commercial  Arbitration Rules of the American Arbitration  Association,  and
judgment  upon the  award  rendered  by the  arbitrator  may be  entered  in and
enforceable  by any court  having  jurisdiction.  If any  legal  action or other
proceeding is brought for the  enforcement  of this  Agreement,  the  prevailing
party  shall be entitled to recover  its  reasonable  attorneys'  fees and other
costs incurred.

         12.  Choice of Law. This  Agreement  shall be construed and enforced in
accordance with the laws of the State of California.

         In Witness Whereof,  the undersigned have executed this Agreement as of
the date first set forth above.

Ely Mandell                                  FinancialContent, Inc.
2660 Townsgate Road                          400 Oyster Point Blvd., Suite 435
Suite 160 Second Floor                       So. San Francisco, CA 94080
Westlake Village, CA 91361                   650.837.9850 TEL
805.449.9145 TEL                             650.745.2677 FAX
805.449.9155 FAX
("Advisor") ("Company")

/s/ Ely Jay Mandell                          /s/ Wing Yu
---------------------                        ----------------------
    Ely Jay Mandell                              Wing Yu, CEO

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