Document:

EXHIBIT 10.5

                                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:

<TABLE>
<CAPTION>
-------------------------------------------------------------------------------------------
Product Name                                 Policy Form Numbers        Effective Dates
-------------------------------------------------------------------------------------------
<S>                                        <C>                       <C>

SelectMark(R) Special Edition Series
-------------------------------------------------------------------------------------------
Selectmark(R)5 Special Edition               T-P-SMSE-0801-5;           01/02/02
                                             T-C-SMSE-0801-5
-------------------------------------------------------------------------------------------
Selectmark(R)Special Edition Plus 4          T-C-SMSE-0402-10-4;        04/26/02
                                             T-P-SMSE-0402-10-4
-------------------------------------------------------------------------------------------
Selectmark(R)Special Edition Plus            T-C-SMSE-0402-10-0;        05/06/02
                                             T-P-SMSE-0402-10-0
-------------------------------------------------------------------------------------------
</TABLE>

                                  Page 1 of 3

<PAGE>

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

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

<TABLE>
<CAPTION>
--------------------- ---------------------- ----------------------------------------------------------------------------------
                                                                           Compensation to Legacy

                                                              Age Mandated Commission
                                                                     Reduction
                                                          ---------------------------------
                                                 (a)        (b)        (c)         (d)       (e)         (f)           (g)
                                             Commission    Comm.        %         Trail      Mkt.     Override         LMG
                      Policy Form Numbers/                Reduces    Reduction   (Annual)    Allow.                    Trail
    Product Name         Effective Dates                  @ Age                                                        Com.
--------------------- ---------------------- ------------ --------------------------------- ---------- ---------- -------------
<S>                  <C>                    <C>           <C>       <C>          <C>        <C>        <C>        <C>
SelectMark(R) Special
Edition Series

--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
SelectMark(R)5         T-P-SMSE-0801-5;            o         80          o           o          o          o           o
Special Edition       T-C-SMSE-0801-5

--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
SelectMark(R)         T-C-SMSE-0402-10-0;         o          80          o           o          o          o           o

Special Edition Plus  T-P-SMSE-0402-10-0
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
SelectMark(R)         T-C-SMSE-0402-10-4;         o          80          o        o             o          o           o

Special Edition       T-P-SMSE-0402-10-4
Plus 4
--------------------- ---------------------- ------------ --------- ------------- --------- ---------- ---------- -------------
</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

     Ken Kilbane
     Ron Wagley
     Lana Ash
     Caroline Kirst

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

                                  Page 2 of 3

<PAGE>

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

                                  Page 3 of 3o CONFIDENTIAL INFORMATION HAS BEEN OMITTED AND FILED SEPARATELY WITH THE SEC.

EXHIBIT 10.6

                                AMENDMENT FIVE TO
                        ADMINISTRATIVE SERVICES AGREEMENT

THIS FIFTH AMENDMENT TO THE ADMINISTRATIVE SERVICES 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 an Administrative Services Agreement,
dated May 29, 1998, as amended, hereinafter referred to as the "Agreement,"
wherein LMG agreed to provide certain Transamerica accounting and service
functions 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
--------------------------------------------------------------------------------

SelectMark(R) Special Edition Series

--------------------------------------------------------------------------------
Selectmark(R)5 Special Edition           T-P-SMSE-0801-5;         01/02/02
                                         T-C-SMSE-0801-5

--------------------------------------------------------------------------------
Selectmark(R)Special Edition Plus 4     T-C-SMSE-0402-10-4;      04/30/02
                                        T-P-SMSE-0402-10-4

--------------------------------------------------------------------------------
Selectmark(R)Special Edition Plus       T-C-SMSE-0402-10-0;      05/06/02
                                        T-P-SMSE-0402-10-0

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

2.   Appendix B, "Processing Fees," Section 2, is hereby amended to read as
     follows:

     "2. Agent Appointment and Termination: o per agent appointment per state; o
     per agent termination per state, effective July 1, 2002."

3.   Appendix C, "Services to be Provided, Section 1 Services, Clerical
     Processing of Agent Appointment and Termation with States" is hereby
     amended to read as follows:

     "Clerical Processing of Agent Appointment and Termination with States

                                     1 of 3

<PAGE>

Appointment

     1.   Review signed Producer Agreement for completeness and accuracy, input
          agent information into LCS system (LMG agent database).
     2.   Conduct Background Investigation on Producer, including credit report,
          NAIC RIRS inquiry, Vector Check, state licensing check (in all States
          in which Producer requests appointment), criminal check, and past
          employment check.
     3.   If Producer meets LMG/Transamerica hiring criteria, complete and mail
          all state required appointment forms or electronic transmission of
          appointment data to state.
     4.   Depending on state criteria, once appointment is effective, input
          appointment information into LCS system for renewal tracking, new
          business processing and weekly transmission to carrier.

     Termination
     1.   LMG will complete the contract termination for a Producer with
          Transamerica. LMG will update their database and mail to the Producer
          a letter communicating the Contract termination. LMG will send the
          Contract Termination letter to Transamerica C&L. Transamerica will
          determine if a state(s) Appointment termination is required. If
          Transamerica terminates the producer state(s) appointment Transamerica
          will send a letter informing the producer and will copy LMG.
     2.   Update LCS with appropriate appointment termination into LCS system to
          prohibit new business processing. Weekly transmission of agent
          termination information to carrier.

     Appointment Renewal Processing

     1.   LMG will forward to Transamerica within three (3) business days of a
          written request by Transamerica any Producer address that is required
          to be provided to a regulatory agency."

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

     Representing Transamerica

     "Authorized to modify this Agreement

     Ken Kilbane
     Ron Wagley
     Lana Ash
     Caroline Kirst

                                     2 of 3

<PAGE>

     Authorized to provide day to day direction of LMG employees for items not
     covered in this Agreement

     Caroline Kirst
     Jeff Aaron
     Kristina Barker
     Nancy DeWitt

     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"

5.   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/ Ken Kilbane
By: /s/ Don Dady                Title: Vice President
Title: Vice President           Date: November 25, 2002
Date: November 21, 2002         Witness: /s/ Caroline Kirst
Witness: /s/ Jackie Petersen

                                     3 of 3

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