EXHIBIT 3(o)

AMENDMENT NO. 4 AND NOVATION TO THE PRINCIPAL

UNDERWRITING AGREEMENT

AMENDMENT NO. 4 AND NOVATION TO THE

PRINCIPAL UNDERWRITING AGREEMENT

Amendment dated May 1, 2007, to the Principal Underwriting Agreement, dated as of November 1, 1999, by and between AFSG Securities Corporation (“AFSG”) and Transamerica Occidental Life Insurance Company (“TOLIC”) (the “Agreement”).

WHEREAS, effective May 1, 2007, all underwriting and primary distribution activities for variable life insurance and annuity contracts (“Contracts”) and the separate investment accounts (“Account”) issued by TOLIC have been assigned to Transamerica Capital, Inc. (“TCI”), located at 4333 Edgewood Road N.E. Cedar Rapids, IA 52499.

WHEREAS, effective May 1, 2007, there is a novation of parties to the Agreement, whereby AFSG is replaced by affiliate TCI.

NOW, THEREFORE, in consideration of the above premises and of the mutual promises contained herein and the mutual benefits to be derived herefrom, AFSG, TCI and TOLIC (the “parties”), intending to be legally bound, hereby agree as follows:

1. Agreement Remains Effective. Unless expressly modified by this Amendment and Novation, all terms and conditions contained in the Agreement shall remain in effect accordance with the terms of the Agreement.

2. References to AFSG. All references to AFSG throughout the Agreement shall be changed to TCI to reflect the Novation herein.

3. Entire Agreement and Modification. This Amendment and Novation and the Agreement contain the entire understanding and agreement between the parties hereto and supersede all prior or contemporaneous agreements relative to the subject matter of the Agreement. This Amendment and the Agreement may not be amended, modified, supplemented or changed, in any respect whatsoever, except by a written agreement duly executed by the parties.

IN WITNESS WHEREOF, the parties, by their duly authorized officers, have executed this Amendment and Novation on the dates indicated.

TRANSAMERICA CAPITAL, INC.		TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY
By:	/s/ Rob Frederick	By:	/s/ Darin D. Smith
	Rob Frederick		Darin D. Smith
Title:	Executive Vice President and Chief Operating Officer	Title:	Vice President

AFSG SECURITIES CORPORATION
By:	/s/ Lisa A. Wachendorf
	Lisa A. Wachendorf
Title:	Vice President and Chief Compliance Officer