Document:

EXHIBIT 10.1
                                                                  ------------

July 30, 2001

Wing Yu
1025 Cadillac Way, #113
Burlingame, CA  94010

         Re:      Employment Contract

Dear Wing:

We are  pleased  to offer you a  position  with  FinancialContent.com,  Inc.,  a
Delaware corporation ("FinancialContent"). This agreement supercedes any and all
other employment  agreements  between you and Cosmoz  Infrastructure  Solutions,
Inc. The starting date of this  agreement  shall be retroactive to July 1, 2001.
Your  compensation,  benefits and other terms of employment will be as set forth
below and in the FinancialContent, Inc. Employee Handbook.

TERMS OF EMPLOYMENT

1.  Position  and Duties.  FinancialContent  shall  employ you, and you agree to
competently  and  professionally  perform  such  duties as are  customarily  the
responsibility  of the position as set forth in the job description  attached as
EXHIBIT A, and as  reasonably  assigned to you from time to time by your Manager
as set forth in EXHIBIT A.

2. Outside Business  Activities.  During your employment with  FinancialContent,
you shall devote competent energies, interests, and abilities to the performance
of your duties  under this  Agreement.  During the term of this  Agreement,  you
shall not, without FinancialContent's prior written consent, render any services
to others for compensation or engage or participate,  actively or passively,  in
any other business  activities that would interfere with the performance of your
duties hereunder or compete with FinancialContent's business.

3.       Employment Classification. You shall be a Full-Time Executive Employee.

4.       Compensation/Benefits.

         4.1      Wage and commissions.  FinancialContent shall pay you the wage
as set forth in the job description attached as EXHIBIT A.

         4.2      Reimbursement  of Expenses.  You shall be  reimbursed  for all
reasonable and necessary  expenses paid or incurred by you in the performance of
your duties.  You shall  acquire  approval by your  manager,  as  identified  on
Exhibit A, prior to  incurring  any  reimbursable  expenses.  You shall  provide
FinancialContent with original receipts of such expenses.

                                       1
<PAGE>

         4.3      Withholdings.   All  compensation   paid  to  you  under  this
Agreement, including payment of salary and taxable benefits, shall be subject to
such  withholdings  as may be  required  by  law or  FinancialContent's  general
practices.

         4.4      Benefits.  As a  full-time  employee  you will be  subject  to
FinancialContent's benefits policies as such policies are in effect from time to
time as set forth in  FinancialContnet.com,  Inc.'s Employee  Handbook,  version
0001,  and shall be  offered  the  opportunity  to  participate  in any  benefit
programs  offered to the  extent  such  benefits  are  offered to other  regular
full-time executive  employees.  You agree to sign  FinancialContent's  Employee
Acknowledgement  Form upon  receipt  of  FinancialContnet.com,  Inc.'s  Employee
Handbook, version 0001 as a condition of your employment.

         4.5      Stock Options. FinancialContent does not currently offer stock
options to employees. If the shareholders of FinancialContent adopt a resolution
providing  stock options to  employees,  whether  incentive  stock options or an
employee stock purchase plan, or if the board of directors adopts  non-statutory
stock  options,  you will be offered an  opportunity  to participate in any such
options  plan to the same extent  provided to all other  executive  employees of
FinancialContent.  FinancialContent  makes no guarantee that the shareholders or
the board of directors will adopt a resolution approving a stock options plan.

5.       At-Will  Employment.  Either  party may  terminate  this  Agreement  by
written  notice at any time for any reason or for no reason.  This  Agreement is
intended  to be and shall be deemed to be an at-will  employment  agreement  and
does not constitute a guarantee of continuing employment for any term.

6.       Nondisclosure Agreement. You agree to sign FinancialContent's  standard
Employee  Nondisclosure  Agreement and Proprietary Rights Assignment and Limited
Exclusion  Notification  as a condition of your  employment.  We wish to impress
upon  you  that  we do not  wish  you to  bring  with  you any  confidential  or
proprietary  material of any former employer or to violate any other  obligation
to your former employers.

7.       Authorization to Work.  Because of Federal  regulations  adopted in the
Immigration   Reform  and  Control  Act  of  1986,  you  will  need  to  present
documentation  demonstrating  that you have  authorization to work in the United
States.

8.       Further  Assurances.  Each party shall perform any and all further acts
and execute and deliver any documents that are reasonably necessary to carry out
the intent of this Agreement.

9.       All  notices or other  communications  required  or  permitted  by this
Agreement  or by law shall be in  writing  and shall be deemed  duly  served and
given when  delivered  personally or by facsimile,  air courier,  certified mail
(return  receipt  requested),  postage  and fees  prepaid,  to the  party at the
address indicated in the signature block or at such other address as a party may
request in writing.

10.      Governing  Law. This  Agreement  shall be governed and  interpreted  in
accordance with the laws of the State of California; as such laws are applied to
agreements  between residents of California to be performed  entirely within the
State of California.

11.      Entire  Agreement.  This  Agreement  sets  forth the  entire  Agreement
between the parties  pertaining to the subject  matter hereof and supersedes all
prior written agreements,  and all prior or contemporaneous  oral Agreements and
understandings, express or implied.

                                       2
<PAGE>

12.      Written Modification and Waiver. No modification to this Agreement, nor
any waiver of any rights,  shall be effective  unless  assented to in writing by
the party to be  charged,  and the  waiver of any  breach or  default  shall not
constitute a waiver of any other right or any subsequent breach or default.

13.      Assignment.  This  Agreement is personal in nature,  and neither of the
parties  shall,  without  the  consent of the  other,  assign or  transfer  this
Agreement  or any  rights or  obligations  under  this  Agreement,  except  that
FinancialContent  may  assign or  transfer  this  Agreement  to a  successor  of
FinancialContent's  business  in the  event  of the  transfer  or sale of all or
substantially all of the assets of FinancialContent's  business;  provided, that
in the case of any assignment or transfer under the terms of this Section,  this
Agreement  shall be binding  on and inure to the  benefit  of the  successor  of
FinancialContent's  business,  and the successor of FinancialContent's  business
shall  discharge and perform all of the  obligations of  FinancialContent  under
this Agreement .

14.      Severability. If any of the provisions of this Agreement are determined
to be invalid,  illegal, or unenforceable,  such provisions shall be modified to
the  minimum  extent  necessary  to make such  provisions  enforceable,  and the
remaining  provisions  shall continue in full force and effect to the extent the
economic   benefits   conferred  upon  the  parties  by  this  Agreement  remain
substantially unimpaired.

15.      Arbitration  of Disputes.  Any  controversy  or claim arising out of or
relating  to  this  contract,  or  the  breach  thereof,  shall  be  settled  by
arbitration  administered  by the  American  Arbitration  Association  under its
National Rules for the Resolution of Employment Disputes,  and judgment upon the
award  rendered  by  the  arbitrator(s)  may be  entered  by  any  court  having
jurisdiction thereof.

We look forward to continuing what we hope will remain a mutually satisfying
work relationship.

                                          Sincerely,

                                          FinancialContent, Inc.

                                          By: /s/ Dave Neville
                                              ----------------------------
                                                  Dave Neville,
                                                  Corporate Secretary

Acknowledged, Accepted and Agreed,

Date: 7/30/01
      -------------
      /s/ Wing Yu
      -------------
          Wing Yu

                                       3
<PAGE>

EXHIBIT A

JOB DESCRIPTION

1. Position: Chief Executive Officer

2. Your Manager: n/a.  You report directly to the Board of Directors

3: Your Duties:

         o Strategic planning;

         o Financial analysis;

         o Budgeting, compliance;

         o Supervision of the daily operations of the company; and

         o Other tasks that may be required of you by the Board of Directors.

4. Your  Compensation:  Your salary shall be paid monthly on the last day of the
month  worked.  Your annual base salary shall be  72,000.00,  or  $6,000.00  per
month.

5. Schedule:  You shall work five days per week, Monday thru Friday, eight hours
per work day.

                                       4

              ADDENDUM TO THE MANAGEMENT AND CONSULTING AGREEMENT

This Addendum to the Management and Consulting  Agreement  ("Agreement") is made
and  entered   into  on  May  28,  2002   ("Effective   Date")  by  and  between
FinancialContent,  Inc., a Delaware corporation ("Company") and SharpManagement,
LLC, a Delaware LLC  ("SharpManagement").  Any previously  executed Addendums to
the Management and Consulting  Agreement between the parties are hereby null and
void.

Whereas,  the Company and  SharpManagement  executed a Management and Consulting
Agreement  ("Agreement")  on May  17,  2000,  whereby  SharpManagement  provided
services to the Company in  exchange  for a monthly fee and common  stock of the
Company;

Whereas,  the one-year term under the Agreement expired on January 10, 2001, and
wanting to continue the relationship,  the Company and SharpManagement  executed
an Addendum to Management and Consulting  Agreement which extended the Agreement
for one year and restated the compensation payable to SharpManagement;

Whereas,  the  Addemendum  to Management  and  Consulting  Agreement  expired on
January 10, 2002, and  SharpManagement  has continued to provide services to the
Company  under the  Addendum  and the  Company  has  continued  to  accept  such
services;

Whereas,  the Company and SharpManagement  desire to extend the Agreement for an
additional one-year term subject to the restated terms set forth below:

Now   therefore,   in   consideration   duly  noted  herein,   the  Company  and
SharpManagement (collectively the "Parties") agree as follows:

All terms and conditions of the Agreement  (attached hereto) entered into on May
17,  2000,  shall be adopted  and shall be given  continuity  to this  Addendum,
excluding  the terms and  conditions  under  paragraphs  2 and 4, and Exhibit A,
which shall be modified as follows:

2.       Compensation. The Company shall pay SharpManagement $5,000.00 per month
         for the term of the one-year  extension  period  retroactive to January
         10, 2002..............

4.       Term.  This Addendum shall begin with the Effective Date of January 10,
         2002 and shall continue for one year from such date. The term shall not
         automatically renew.............

Exhibit A.

DESCRIPTION OF SERVICES

                                       1
<PAGE>

Responsibilities  as CSO.  Shaw  shall  have all  responsibilities  as the Chief
Strategy Officer of the Company. These responsibilities shall include, but shall
not be limited to, the following:

Shaw shall assist in setting overall objectives, approving plans and programs of
operation,  shall  advise on matter of  mergers,  acquisitions,  consolidations,
financing,  and shall advise on and assist with  formulating  general  operating
policies.

...................

Company:                                    SharpManagement:
FinancialContent, Inc.                      533 Airport Blvd., Suite 400
199 California Drive, Suite 207             Burlingame, CA 94010
Millbrae, CA 94030

By: /s/ Wing Yu                     By: /s/ Wilfred Shaw
    ----------------------              ---------------------------------
        Wing Yu, CEO                        Wilfred Shaw, Managing MemberAMENDMENT FIVE TO
                               MARKETING AGREEMENT

THIS FIFTH  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.   The Policy  Forms  table in APPENDIX A is restated & amended to include new
     business  Discontinuance  Dates as follows.  The discontinuance date is the
     date which on or after no further  applications  will be accepted.  For the
     products earmarked to be withdrawn effective March 3rd, 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 3rd, 2003 and the  transferred  funds  completed by June 6th, 2003 in
     order for the policy to be issued.

<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
------------------------------------ ------------------------------------ ------------------------------------ ---------------------
</TABLE>

                                     1 of 8

<PAGE>

<TABLE>
------------------------------------ ------------------------------------ ------------------------------------ ---------------------
<S>                                  <C>                                  <C>                                  <C>
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
(formerly known as the Select        T-PTMY0298-10-50/50                  5/29/98 for                          except 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 4  T-C-SMSE-0402-10-4;                   04/30/02                            9/1/03**
                                     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
------------------------------------------------------------------------------------------------------------------------------------
PreferMark Series
------------------------------------------------------------------------------------------------------------------------------------
PreferMark Platinum                  T-CMY0500-9;                         7/26/2000
                                     T-PMY0500-9
------------------------------------ ------------------------------------ ------------------------------------ ---------------------
PreferMark Gold                      T-CMY0500-10;                        7/26/2000
                                     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.

                                     2 of 8
<PAGE>

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

2.   The  Compensation  table in APPENDIX B is restated & amended to include new
     rates and their effective dates as follows.

     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
                                                 -------------------------------------------------------------------------
                                                           Age Mandated Commission Reduction                       (g)
                            POLICY FORM                    ---------------------------------                    LMG Trail
                             NUMBERS/                (a)        (b)       (c)        (d)     (e)      (f)       Com. (AKA    Special
        PRODUCT NAME      Effective Dates           Commis-    Comm.       %        Trail    Mkt.   Override  Administrative  Rules
                                                    sion      Reduces   Reduction           Allow.            Trail Fee or
                                                               @ Age                                          Fund One fee)
<S>                        <C>                       <C>       <C>        <C>         <C>      <C>      <C>       <C>          <C>
------------------------------------------------------------------------------------------------------------------------------------

SelectMark(R) Series
-------------------------- ---------------------------------------------------------------------------------------------------------
                           T-CTMY0298-5-75/25;
SelectMark(R) 5 75/25      T-PTMY0298-5-75/25
                           Effective 5/29/98         5.00%     85          *           *        *          *       *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         5.00%     85          *           *        *          *       *
-------------------------- ---------------------------------------------------------------------------------------------------------
                           T-CMY0799-7-75/25;
SelectMark(R) 7 75/25      T-PMY0799-75/25
                           Effective 10/18/99        7.00%     85          *           *        *          *       *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         7.00%     85          *           *        *          *       *
-------------------------- ---------------------------------------------------------------------------------------------------------
                           T-CTMY0298-10-75/25;
SelectMark(R) 10 75/25     T-PTMY0298-10-75/25
                           Effective 5/29/98         8.00%     85          *           *        *          *       *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         8.00%     85          *           *        *          *       *
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R) Secure Series
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R) 5 Secure     T-CTMY0298-5-50/50;
(formerly known as the     T-PTMY0298-5-50/50
SelectMark(R)5 50/50)      Effective 7/10/00         4.75%     85          *           *        *          *       *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         4.75%     85          *           *        *          *       *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 7 Secure     T-CMY0799-7-50/50;
(formerly known as the     T-PMY0799-7-50/50
SelectMark(R)7 50/50)      Effective 7/10/00         6.25%     85          *           *        *          *       *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         6.25%     85          *           *        *          *       *
-------------------------- ---------------------------------------------------------------------------------------------------------
</TABLE>

                                     3 of 8
<PAGE>

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

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                        <C>                       <C>       <C>        <C>         <C>      <C>      <C>       <C> <C>
SelectMark(R) Special Edition Series
------------------------------------------------------------------------------------------------------------------------------------
SelectMark(R) 5 Special    T-PSMSE-0801-5
Edition                    T-CSMSE-0801-5
                           Effective 01/02/02        6.25%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         6.25%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 7 Special    T-CMY0799-7-100;
Edition                    T-PMY0799-7-100
                           Effective 10/18/99        8.75%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         8.75%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 7 Special    T-CEIA-0500-7
Edition Equity Index
Strategy                   Effective 7/26/00         8.75%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         8.75%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 10 Special   T-CTMY0298-10-50/50;
Edition (formerly known    T-PTMY0298-10-50/50
as the SelectMark(R) 10
50/50)                     Effective 2/9/99         10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective  1/1/03         9.50%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 10 Special   T-CMY1099-10-100;
Edition with STS           T-PMY1099-10-100
                           Effective 4/6/00         10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective  1/2/03         9.50%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 10 Special   T-CEIA-0500-10;
Edition Equity Index       T-PEIA-0500-10
Strategy                   Effective 7/26/00        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective  1/2/03         9.50%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 10 Special   T-CEIA-0500-10STS;
Edition with STS and       T-PEIA-0500-10STS
Equity Index Strategy      Effective 7/26/00        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective  1/2/03         9.50%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R)  Special     T-C-SMSE-0402-10-0;
Edition Plus               T-P-SMSE-0402-10-0
                           Effective 5/6/02         10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        10.00%     80          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective  1/2/03         9.50%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R)  Special     T-C-SMSE-0402-10-4;
Edition Plus 4             T-P-SMSE-0402-10-4
                           Effective 4/30/02         8.50%     80          *           *       *         *         *
                                                    (+0.25%
                                                    bonus)
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         9.00%     80          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
</TABLE>

                                     4 of 8
<PAGE>

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

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                        <C>                       <C>       <C>        <C>         <C>      <C>      <C>       <C> <C>
SelectMark(R) Elite Series
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 5 Elite      T-C390-0701-5;
                           T-P390-0701-5
                           Effective 9/1/01          8.00%     85          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         8.00%     85          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 7 Elite      T-C390-0701-7;
                           T-P390-0701-7
                           Effective 9/1/01          9.50%     85          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         9.50%     85          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
SelectMark(R) 10 Elite     T-C390-0701-10;
                           T-P390-0701-10
                           Effective 9/1/01         11.00%     85          *           *       *         *         *
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02        11.00%     85          *           *       *         *         *
-------------------------- ---------------------------------------------------------------------------------------------------------
PreferMark Series
-------------------------- ---------------------------------------------------------------------------------------------------------
PreferMark Platinum        Y-CMY0500--9;                                                                              Age-mandated
                           T-PMY0500-9                                                                                commission
                                                                                                                      reduction also
                                                                                                                      applies to
                           Effective 7/26/00         7.50%     85          *           *       *         *         *  override
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         7.50%     85          *           *       *         *         *
                           No Change
-------------------------- ---------------------------------------------------------------------------------------------------------
PreferMark Gold            T-CMY0500-10;                                                                              Age-mandated
                           T-PMY0500-10                                                                               commission
                                                                                                                      reduction also
                                                                                                                      applies to
                           Effective 7/26/00         3.00%     85          *           *       *         *         *  override
                           ---------------------------------------------------------------------------------------------------------
                           Effective 12/1/02         3.00%     85          *           *       *         *         *
                           No Change
-------------------------- ---------------------------------------------------------------------------------------------------------
</TABLE>

3.   The General Compensation Rules are amended & restated as follows:

     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:

                                     5 of 8
<PAGE>

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

     (1) *% 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 *% bonus.

     (2) *% 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 *% 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 *% 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 *%. 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.

                                     6 of 8
<PAGE>

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

     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 *% for all premiums
     received for that policy. No monthly trail commission is payable.

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 *% 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 $* 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 $*). LMG will retain the *% on all premiums received in excess of
     $* in each fiscal year.  Notwithstanding the foregoing, LMG's obligation to
     pay  Transamerica  the  aforementioned  $* shall terminate upon LMG's final
     payment of $* 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 *% for all premiums received for that policy.

5.   LMG Trail Commission (Column (g) above):

     Transamerica  will pay LMG the annual rate shown in column (g) above,  paid
     monthly,  of 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.

                                     7 of 8
<PAGE>

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: VP of Marketing           Title: VP Legacy Marketing Sales
Date: May 6, 2003                Date: May 7, 2003

                                     8 of 8

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