AMENDMENT FOUR TO MARKETING AGREEMENT


This  document is Amendment  Four to the  Marketing  Agreement  made and entered
into, as of June 1, 1993 (the  "Agreement"),  by and between  American  National
Insurance  Company  ("American  National")  a  Texas  corporation,   and  Legacy
Marketing Group ("LMG"), a California corporation.

In  consideration  of mutual covenants  contained  herein,  the parties agree as
follows:

1.   Section 6.1 of the  Agreement  is hereby  deleted in its  entirety  and the
     following new Section 6.1 shall be substituted therefor:

     "6.1 Subject to termination has hereinafter provided,  this Agreement shall
     remain in force and effect  until the close of business on January 1, 1999,
     the initial term of this Agreement. This Agreement may be renewed by mutual
     agreement for additional successive terms of one (1) year unless terminated
     by either party by prior  written  notice to the other at least one hundred
     eighty  (180)  days  prior to the end of the  initial  term or the  renewal
     term."

2.   Except as  specifically  amended  hereby,  all terms and  provisions of the
     Insurance Processing Agreement shall remain in full force and effect.

     LEGACY MARKETING GROUP                 AMERICAN NATIONAL INSURANCE
                                            COMPANY

     By: /s/ R. Preston                     By: /s/ J. Pozzi
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     Title: President                       Title: Executive Vice President
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     Witness: /s/ Anne Sedleniek            Witness: /s/ N. Abraham
             -------------------------              ----------------------------

     Date: October 19, 1998                 Date: October 29, 1998
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