powerBuilding

CAPABILITIESMULTIPLE EMPLOYER PLAN SERVICES

choicefreedomto Master Retirement.

With headquarters in The Hague, the Netherlands, AEGON companies employ approximately 28,000 peopleworldwide. AEGON’s businesses serve millions of customers in over twenty markets throughout the Americas,Europe, and Asia, with major operations in the United States, the Netherlands, and the United Kingdom.

Respect, quality, transparency, and trust constitute AEGON’s core values as the company continually strivesto meet the expectations of customers, shareholders, employees, and business partners. AEGON is drivento deliver new thinking with the ambition to be the best in the industry.

Established in 1844

Among the world’s leading life insurance and pension companies

Headquarters: The Hague, the Netherlands

Local Knowledge.

Global Power.

ABOUT AEGON:Transamerica Financial Life Insurance Company and Transamerica Life Insurance Company are AEGONcompanies.1 AEGON is one of the world’s leading life insurance and pension groups, and a provider ofinvestment products. AEGON empowers local business units to identify and provide products and servicesthat meet the evolving needs of customers, using distribution channels best suited to local markets. AEGONtakes pride in balancing a local approach with the power of an expanding global operation.

Canada

Mexico

U.K.

U.S.A.

Brazil

TheNetherlands

SpainFrance

Hungary China

Poland

India

CzechRepublic

Slovakia

Romania

Turkey

Japan

TRANSAMERICA RETIREMENT SERVICES’ STORY:Transamerica Retirement Services1 ("Transamerica") has more than 70 years1 of experience in the retirementservices business and is one of the top providers2 of retirement plans. Transamerica is committed to provingthat retirement plan providers can make a difference in how well Americans, and the organizations they workfor, master their financial future.

*The Fiduciary Warranty provides that the investment line-up made available by Transamerica provides sponsors with a broad range ofinvestment alternatives to offer to participants, that such investment choices are selected in accordance with applicable prudencestandards, and that investment options are suitable for long-term investing. The Fiduciary Warranty does not provide any guaranteesregarding the performance of the selected investments and it is still possible that a plan may experience losses despite the protectionoffered by the Fiduciary Warranty. See the Fiduciary Warranty for complete terms, limitations, and requirements.

1

OUR Innovation ALLOWS US TO IMPLEMENT CHANGE QUICKLY TO MEET EVOLVING NEEDS

Transamerica provides plan services that can adapt to your business needs and has developed the tools,resources, and services to support the plan you offer. Transamerica offers the following tools:

• Advanced product platform structure with state-of-the-art technology to service both bundled and unbundled plans• The Transamerica Investment Monitor4 process that Lipper, Inc. has reviewed5

• A Fiduciary Management ProgramSM with Fiduciary Warranty that provides a range of tools to help you satisfy theinvestment portion of your fiduciary responsibility*

• A high-tech multimedia studio to create customized commercials and presentations

OUR Expertise ENABLES YOU TO FOCUS ON YOUR BUSINESS

Transamerica keeps you informed, knowledgeable, and in compliance, so you can make wisedecisions for the plan you offer. Transamerica:

• Works with retirement consultants, financial advisors, third party administrators, and you todeliver a retirement plan that fits your business and your employees

• Provides specialized knowledge in Employee Retirement Income Security Act (ERISA),Department of Labor (“DOL”), and Internal Revenue Service (“IRS”) compliance either throughTransamerica or your local third party administrator8

• Retains dedicated Multiple Employer Plan teams throughout the organization

OURPeople SEE EQUIPPING YOU WITH A QUALITY RETIREMENT PLAN AS A CAREER MISSION

Transamerica looks for passionate, well-educated professionals who are dedicated to providing retirementservices. With Transamerica, you have access to:

• Client relationship managers who are pursuing or holding a Financial Industry Regulatory Authority (“FINRA”)license and an ASPPA certification (American Society of Pension Professionals & Actuaries)3

• Compliance analysts who average more than 20 years of experience• Comprehensive business development and consulting support• A commitment to assisting you for success

OUR Reliability AND COMMITMENT TO QUALITY ARE MEASURABLE

Transamerica’s focus on retirement plans leads us to build our reputation and, consequently,our business through continuous improvement. Transamerica:

• Uses a customer satisfaction index to measure our service quality• Manages more than $16.5 billion in plan assets for over 15,500 plans, including more than200 Multiple Employer Plan Sponsors, with over 6,000 Adopting Employers6

• Maintains an annual Multiple Employer Plan retention rate of 99%7

• Is one of the top pension providers with a 98% recommendation rate from plan sponsors2

TRANSAMERICA RETIREMENT SERVICES:YOUR FIRM FOUNDATION

Mastering any discipline in life takes focus. At Transamerica the foundation of who we are—our people,innovation, expertise, and reliability—is focused on giving you the power, choice, and freedom in the design,service, education, and investment selection of your plan.

Transamerica gives you plan products and services that have received recognition as an industryleader. Our focus helps us to build on our already strong reputation year after year.

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DALBAR AWARDS11

Honored for Excellence

Transamerica received DALBAR Seals of Excellence in 2005-2009 for our sponsor andparticipant Web sites.

PLANSPONSOR® MAGAZINE 2009 DEFINED CONTRIBUTION SURVEY 2

Recognized as one of the Top Retirement Plan Providers

Transamerica was honored with:

• 43 “Best in Class” cups for both sponsor and participant services

• Ranked among top cup recipients out of 46 providers evaluated in the small- andmicro-plan markets

• Overall service scores in the top quartile for sponsor and participant services

• Survey results stating that nearly 98% of plan sponsors would recommend Transamerica

CHATHAM PARTNERS’ 2009 CLIENT SATISFACTION ANALYSIS9

Recognized as a Leader in Best Practices

Transamerica received:

• A total of 38 “Best in Class” ratings with consistent “Best in Class” ratings forclient satisfaction

• “Best Performer” in 90 attributes including “Best Performer” in employeeeducation and Web site

• Ratings that outperformed Chatham Partners’ proprietary benchmark in all sevenservice categories and in all 13 product and service categories

BOSTON RESEARCH GROUP “2009 DEFINED CONTRIBUTION PLAN 401(K)PARTICIPANT STUDY”10

Rated number one in Overall Satisfaction; Education, Advice and Guidance; and InvestmentExperience. In addition, Transamerica met or exceeded the industry norm in 30 out of 35individual drivers of satisfaction including:

• Employee Education• Account Statements• Representative Ability to Help with Needs• Knowledge of Plan and Investment Choices• Number of Investment Choices Available• Provider’s Reputation for Providing Quality Investment Choices

INDUSTRY RECOGNITION

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TRANSAMERICA PRODUCT SOLUTIONS

TRANSAMERICA PLAN INVESTMENTS:YOUR CORNERSTONE

Transamerica gives you the freedom to take a multi-manager investment approach in forming the investment platform for the Transamericaretirement plan that you offer. You may choose from a selection of more than 170 investment choices12 and more than 35 leadinginvestment management companies.*

*Your plan’s investment management companies may vary based on your choice of retirement plan product. This is a representative list that may change at any time.

Transamerica Asset Management Group and Transamerica Investment Management, LLC are affiliated with Transamerica Retirement Services.

Transamerica serves the tax-qualified, defined contribution, and defined benefit retirement plan markets.Transamerica provides customized retirement plan solutions for more than 15,5007 small- and mid-sizedbusinesses, including Multiple Employer Plans.

Our defined contribution plan products are diverse in both format and service. We offer both a registeredand non-registered investment platform to serve the defined contribution and defined benefit planmarketplace. Transamerica distributes these products and services through financial intermediaries,including life agents, retirement plan consultants, registered representatives, and financial planners, aswell as strategic alliance relationships, including wirehouses, regional broker dealers, banks, third partyadministrators, associations, and professional employer organizations.

Transamerica is also a leading provider in the single premium group annuity product market for terminatingdefined benefit plans. This market is primarily driven by market forces such as mergers and acquisitions,business closures, and the need for plan-related cost savings.

PERFORMANCE RATINGS FROM MORNINGSTAR®, LLCPlan sponsors and their advisors can look to Morningstar®, a leading global investment research firm, for an Overall Morningstar RatingTM

of each Transamerica investment choice as the first step in evaluating their investments.13

FIDUCIARY MANAGEMENT PROGRAMSM

Transamerica provides a range of tools to help satisfy the investment portion of your fiduciary responsibility which can give peace ofmind to your plan’s fiduciaries.

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FIDUCIARY RISK MANAGEMENT When it comes to managing your fiduciary responsibilities, you are not alone. We offer top-tier investments as a keycomponent to assist companies with fulfilling their fiduciary responsibilities to their participants.

For the Retirement Options, Transamerica Life Insurance Company (“TLIC”)has discretionary authority over the investment objectives, which makes TLICa fiduciary regarding:

• Monitoring of portfolio managers and/or underlying investment• Retaining/changing of portfolio managers and/or changing the underlyinginvestments

To fulfill its fiduciary responsibilities regarding the Retirement Options, TLICfinancial experts:

• Perform continuous, in-depth manager search and screening proceduresfor these investment choices

• Conduct quarterly and annual monitoring of these investment choices,including analysis of the investments’ objectives

• Perform annual performance reviews of investment choices• Obtain objective investment analysis

Regarding the Retirement Accounts offered by Transamerica Financial Life Insurance Company (“TFLIC”), all of the Retirement Accounts invest in RetirementOptions of TFLIC’s affiliate TLIC, where TLIC has fiduciary responsibility over the Retirement Options as described. You can find an additional description ofour Retirement Options and Retirement Accounts, and Transamerica Life Insurance Company’s fiduciary position, on page 12 of this document.

AnnualRetirement Plan

Review andOngoing

Plan Support

FiduciaryWarranty*

InvestmentPolicy

Statement

InvestmentQuestionnaire

Due DiligenceInvestment

Review

QuarterlyInvestmentScorecard

FiduciaryManagement

Third partyreview of

investmentchoice selection

TransamericaInvestment

Monitor

FiduciaryManagement

ProgramSM

*The Fiduciary Warranty provides that the investment line-up made available by Transamerica provides sponsors with a broad range of investment alternatives to offerto participants, that such investment choices are selected in accordance with applicable prudence standards, and that investment options are suitable for long-terminvesting. The Fiduciary Warranty applies to the general due diligence of the firm and does not apply to the performance of the underlying investment choices and it isstill possible to lose money despite this warranty. See the Fiduciary Warranty for complete terms, limitations, and requirements.

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FIDUCIARY WARRANTY AND DUE DILIGENCE

Transamerica’s FIDUCIARY WARRANTY* provides extra support for your plan’s fiduciaries.Our Fiduciary Warranty provides specific covenants that your investment line-up willsatisfy the applicable requirements set forth by the U.S. Department of Labor undersection 404(c) of ERISA, that plans offer a broad range of investment alternatives, willmeet the prudence requirement of section 404(a)(1)(B) of ERISA, that the investmentchoices be selected according to prevailing industry practices and generally acceptedinvestment theories, and will be appropriate for long-term investing. Conditions andlimitations will apply.

The INVESTMENT QUESTIONNAIRE helps you determine an investment model that can be the basis of your plan’s investmentmenu. In addition, Transamerica will work with you to create an investment policy statement appropriate to your plan.

The DUE DILIGENCE INVESTMENT REVIEW is a complete fiduciary packaging tool used to document your fiduciary process.By creating a Due Diligence Investment Review you may have the added advantage of collecting your most importantfiduciary documents and bundling them into a convenient package for future use and reference.

Our ANNUAL RETIREMENT PLAN REVIEW provides an annual analysis and report for your plan’s fiduciaries.

The TRANSAMERICA INVESTMENT MONITOR4 is our proprietary due diligence process for selecting and monitoring all of theinvestment choices available to your plan.

The quarterly INVESTMENT SCORECARD4 shows the results of our due diligence process on six different quantitative/qualitativefactors, grading each investment choice available to your plan.

An independent evaluation by LIPPER, INC.5 determined that Transamerica’s investment choice roster and the TransamericaInvestment Monitor pass Lipper’s rigorous standards, and can help you build an investment line-up to meet your participants’varied investment needs.

*The Fiduciary Warranty provides that the investment line-up made available by Transamerica provides sponsors with a broad range of investmentalternatives to offer to participants, that such investment choices are selected in accordance with applicable prudence standards, and that investmentoptions are suitable for long-term investing. The Fiduciary Warranty applies to the general due diligence of the firm and does not apply to the performanceof the underlying investment choices and it is still possible to lose money despite this warranty. See the Fiduciary Warranty for complete terms, limitations,and requirements.

TRANSAMERICA

FIDU

CIA

RY

MANAGEMENT

PRO

GR

AM

SM

WARRANTY

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PASS—PLAN ADMINISTRATION SERVICE SUPPORT14

Retirement plan sponsors are spending more and more time handling administrative responsibilities–allowingless time to focus on business growth. Plan Administration Service Support (PASS) by Transamerica, can helpenhance a plan sponsor’s business focus and efficiencies.

Determine if a Retirement Plan Provider is Measuring Up.There are certain questions every business owner should ask about a retirement plan provider when it comes to plan administration:

Why PASS is Important to a Plan Sponsor’s Business.PASS allows plan sponsors to save time and money by retaining Transamerica to provide significant support for certain administrativetasks. Transamerica’s professional PASS administrators work with the plan sponsor to establish guidelines, and operate, at thesponsor’s direction, in helping to alleviate administrative burdens.

What Administrative Duties Can You PASS on to Transamerica?Under guidance from the sponsor or sponsor’s Third Party Administrator (TPA), Transamerica can assist with a full suite ofadministrative duties. The sponsor has complete flexibility to choose which services are most meaningful to them.

Transamerica’s PASS administrator acts on behalf of the plan, and institutes a centralized retirement planadministration hub within Transamerica on behalf of the sponsor at the sponsor’s direction.

• Is my current provider reducing my administrative burdensso the business may focus on revenue-producingactivities?

• Does my current provider send out notices to participantsand monitor employee eligibility, entry dates, andenrollment?

• Does my current provider verify deferral calculations,manage my payroll processing, and monitor payrollsuspensions?

• Does my current provider process loans and distributionrequests?

• How many hours does my staff spend on administrativetasks related to my plan?

Transamerica Supports 80% ofAdministrative Tasks with PASS

Reduced Plan Sponsor Tasks with PASS

Payroll

Hardships

Notices

Recordkeeping

Terminations

Loans

Qualified Domestic Relations Orders

Filings

Eligibility

Employee Communications

Summary Plan Documents

Required Minimum Distributions

Rollovers

Distributions

Participant Support

Enrollment

Employee Education Materials

Plan Sponsor Tasks without PASS

Investment Choices

Plan Design

Trustee Duties

Fiduciary

Payroll

Hardships

Notices

Recordkeeping

Terminations

Loans

Qualified Domestic Relations Orders

Filings

Eligibility

Employee Communications

Summary Plan Documents

Required Minimum Distributions

Rollovers

Distributions

Participant Support

Enrollment

Employee Education Materials

Investment Choices

Plan Design

Trustee Duties

Fiduciary

7

THE POWER OF A SUPERIOR PRODUCT PLATFORM

The key to our exemplary Multiple Employer Plan support starts with our sophisticated recordkeeping platform. Our ability to trackAdopting Employers by Sub-ID within the framework of one single contract allows for easy administration.

MUL

TIPL

E EMPLOYER PLAN SPONSOR

BilingualEducationConsultants

MultipleEmployer PlanService Team

Installation andConversion Specialistsfrom Transamerica oryour Third PartyAdministrator

Plan Design andCompliance Analystsfrom Transamericaor your Third PartyAdministrator

FinancialAdvisor

ADOPTINGEMPLOYER

Special MarketsSales andMarketingSupport

PERSONALIZED TEAM SUPPORT

You can rely on the power of an expert team to support the success of your Multiple Employer Plan.

Recordkeeping:Via Sub-ID

Eligibility Tracking OnlinePlan Adoption

Flexible Provisions:Vesting, Eligibility, Profit

Sharing, Matching,Others

OnlineParticipant Enrollment

Forfeitures:Real Time Allocation

Plan AdministrationService Support

(PASS)14

TransamericaPlatform

Web Access:Available for EachAdopting Employer

Reporting:Quarterly Reports

Annual Audit

PASS is an optional feature that may have additional costs.

8

TRANSAMERICA’S ONGOING PLAN COMMUNICATIONS

Award-winning 11 plan sponsor Web site,www.TA-Retirement.com, where you can accessyour plan-specific information 24/7

High-tech, customized presentations created in our state-of-the-art multimedia studio (such as e-Tips—brief, high-impact,television-worthy commercials that can be customized foryour company and delivered to your employees via e-mail oryour company’s intranet site)

Easy-to-understand quarterly plan sponsor statements

Your customized Annual Retirement Plan Review describesspecific tools for your enrollment and educational program,based on a current assessment of your plan. It also describesan action plan based on objectives for your plan.

Monthly E-News, electronic newsletter for plan sponsors

The RECOVER Plan by Transamerica, a proactive wayto help your employees gain better control of their currentfinancial situation and continue working toward theirretirement goals.

This 40-minute multimedia presentation and workbook willhelp create a tangible, action-based plan for riding out thelong term with confidence.

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TRANSAMERICA’S PLAN EDUCATION AND ENROLLMENT SERVICES:YOUR LANDSCAPE FOR THE FUTURE

PLAN ENROLLMENT RESOURCES

Transamerica makes enrollment fast and easy:

• Simple Solutions Enrollment Workbook—contains detailed information about the plan, includinga list of the investment choices selected for the plan, as well as sample allocation models

• TransDirect® interactive voice response system for enrollment by phone

• “Best in Class” award for participant ease of enrollment from Chatham Partners’ independentsurvey of plan sponsors9

• An online enrollment workshop accessible from adesktop—home or office—24/7at www.TA-Retirement.com. Employees will learn about the value of retirementplanning, tax-free deferral savings contributions, asset diversification, asset allocation,and more.

• An assortment of online retirement planning tools, including various calculators, and strategy toolsto supplement participant knowledge of the 401(k) plan you offer and its investment choices.

PLAN EDUCATION AND RESOURCES

Transamerica gives plan sponsors a wealth of resources that can help empower their planparticipants to better manage their investments, including:

• An online, interactive portfolio optimizerdesigned to help participants build an assetallocation strategy and create a sample portfolio

• A series of “Made Simple” educational seminars(Available in Spanish)

• Educational brochures and participant newsletters(Available in Spanish)

• Various retirement planning Web calculators and tools to empower participants

PLAN PERFORMANCE MONITORING

To help keep participants on course with saving for retirement, Transamerica enables plansponsors and their plan participants to monitor and better manage their investment choices with:

• Investment performance reports

• Quarterly participant statements

• Participant Web site at www.TA-Retirement.com

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Let Transamerica Retirement Services help you distinguish your company with a retirementplan solution designed to deliver the power, choice, and freedom to change the landscape ofthe future for your business and your employees.

TRANSAMERICA.MASTER RETIREMENT.®

POWER CHOICE FREEDOM

For more information on Transamerica Retirement Services’capabilities, please contact Special Markets at

(866) 393-8967, option 1 + option 1,send an e-mail to MEPSponsorSales@transamerica.com,

or visit WWW.TA-RETIREMENT.COM.

TRANSAMERICA IS READY TO ASSIST:

1 Transamerica Retirement Services ("Transamerica"), a marketing unit of TransamericaFinancial Life Insurance Company ("TFLIC"), 440 Mamaroneck Avenue, Harrison, NY10528, and Transamerica Life Insurance Company ("TLIC"), 4333 Edgewood Road NE,Cedar Rapids, Iowa 52499, and other TFLIC and TLIC affiliates, specializes in thepromotion of retirement plan products and services. This product is available fromTransamerica Retirement Services under contract form number TA-AP-2001-CONT, a groupvariable annuity contract underwritten by TFLIC, or under contract form number CNT-TLIC10-05, a group variable annuity contract underwritten by TLIC. TFLIC is not authorized anddoes not do business in the following jurisdictions: Guam, Puerto Rico, and the U.S. VirginIslands. TLIC is not authorized in New York and does not do business in New York. Feesand charges may apply. For complete information, contact your Transamericarepresentative. Transamerica Financial Life Insurance Company and Transamerica LifeInsurance Company are affiliates of Diversified Investors Securities Corp.

2 Transamerica Retirement Services received 43 "Best in Class" cups for sponsor andparticipant services in PLANSPONSOR ® Magazine’s annual Defined Contribution Surveyof retirement plans. The 43 "Best in Class" designations—23 in the micro (<$5 million)and 20 in the small ($5 million to $50 million) markets—rank Transamerica RetirementServices among the top cup recipients of the 46 providers evaluated in the micro- andsmall-plan markets. The results of the Defined Contribution Survey were announced inthe November 2009 issue of PLANSPONSOR ® Magazine. The survey polled nearly5,635 clients of 48 defined contribution plan providers. "Best in Class" cups areawarded to plan providers who score in the top quartile of a specific category. See theNovember 2009 issue of PLANSPONSOR ® Magazine for complete results.

3 Service level may vary depending on the amount of plan assets. All plan sponsors willhave access to TRSConnectSM phone service every business day. Plans that have between$500K to $2MM in plan assets will also receive an assigned specialist on theTRSConnectSM phone line. Plans that have $2MM and over in plan assets will beassigned a Client Relationship Manager who provides personalized service to the plan.

4 The Transamerica Investment Monitor (TIM) is our proprietary due diligence process forselecting and monitoring the investment choices offered for our retirement plans. TheInvestment Scorecard is the result of TIM's quarterly review of each of our investmentchoices. To achieve an overall rating, each investment choice is rated on quantitative(Performance Measurement, Style Consistency, and Fees & Expenses) and qualitative(Investment Process & Portfolio Composition, Management Tenure, and Organization)factors. Although the investment choice may meet the "significantly exceeds,"

"meets/exceeds," or "below" criteria, there are no guarantees of a profit and it is stillpossible to lose money by investing in it. Transamerica reserves the right to modify,eliminate, or add criteria at any time.

5 The analysis has been specially prepared by Lipper, Inc., a Thomson Reuters Company("Lipper") for Transamerica, who provides this to you. This analysis may be distributed toTransamerica's clients (Plan Sponsors), but may not be distributed to its clients' planparticipants. "Lipper" is a trademark of Thomson Reuters and has been licensed for useby Transamerica. None of the information provided to Transamerica by Lipper is intendedto constitute investment advice or a recommendation to make (or refrain from making)any kind of investment decision and may not be relied on as such. Lipper makes norepresentation or warranty, express or implied, to Transamerica's clients, investors, or anymember of the public regarding the advisability of, or the results that may be obtainedfrom, investing in securities generally or in any product, retirement plan, hedge fund, ormutual fund particularly. Past performance is not necessarily a guide to futureperformance and investors should remember that past performance is not a guaranteeof future results. Neither Lipper nor any member of the Thomson Reuters Group shallbe acting, or deemed to be acting, as a "fiduciary" (as defined under the EmployeeRetirement Income Security Act of 1974) to any of Transamerica's clients or any ofTransamerica's clients' plan participants. There is no agreement or understandingwhatsoever that Lipper will provide individualized advice to any of Transamerica's clientsor any of Transamerica's clients' plan participants. LIPPER AND EACH INFORMATIONPROVIDER OR OTHER THIRD PARTY SUPPLIER EXPRESSLY DISCLAIMS ANYCONDITION OF QUALITY AND ANY IMPLIED WARRANTY OF MERCHANTABILITY ORFITNESS FOR A PARTICULAR PURPOSE. ALTHOUGH LIPPER MAKES REASONABLEEFFORTS TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATIONPROVIDED TO TRANSAMERICA, NEITHER LIPPER NOR ANY INFORMATION PROVIDEROR OTHER THIRD PARTY SUPPLIER GUARANTEES SUCH ACCURACY OR RELIABILITY.LIPPER, ITS EMPLOYEES, AGENTS, CONTRACTORS, SUBCONTRACTORS, INFORMATIONPROVIDERS, AND OTHER THIRD PARTY SUPPLIERS WILL NOT BE HELD LIABLEFOR ANY DAMAGES OF ANY KIND IN CONNECTION WITH THE INFORMATIONCONTAINED IN THIS DOCUMENT, INCLUDING LOST PROFITS, REGARDLESS OFWHETHER SUCH DAMAGES COULD HAVE BEEN FORESEEN OR PREVENTED.

6 As of December 2009.7 As of December 2009.

DISCLOSURES

11

The separate account investment choices offered are exempt from registration with the SEC; therefore, no prospectuses are filed for them. However,certain of the separate account investment choices invest in mutual funds which are subject to SEC registration. Prospectuses for these mutual fundscan be ordered directly from the fund company or obtained upon request from Transamerica Retirement Services at www.TA-Retirement.com. Allinvestments involve risk, including loss of principal and there is no guarantee of profits. Investors should carefully consider their objectives, risktolerance and time horizon before investing. The prospectus for each fund contains this and other information about that fund. Read each prospectuscarefully before investing. In addition, comprehensive information on all the investment choices is available on the investment fact sheets.

Transamerica Retirement Services and its representatives cannot give ERISA, tax, or legal advice. This material is provided for informational purposesonly based on our understanding of material provided and should not be construed as ERISA, tax, or legal advice. Clients and other interested partiesmust consult and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here. Although carehas been taken in preparing this material and presenting it accurately, Transamerica Retirement Services disclaims any express or implied warrantyas to the accuracy of any material contained herein and any liability with respect to it.

12

DISCLOSURES C O N T I N U E D

Transamerica Life Insurance Company (“TLIC”) investment choices (other than the Stable Value Advantage Option) are separate accounts established by TLIC. TLIC investment choiceswith names ending in “Ret Opt” (short for “Retirement Option”) correspond to investment choices for which Transamerica retains investment discretion over the assets.

Transamerica Financial Life Insurance Company (“TFLIC”) investment choices (other than the Stable Value Advantage Account) are separate accounts established by TFLIC. TFLICinvestment choices with names ending in “Ret Acct” (short for “Retirement Account”) correspond to accounts which invest in TLIC Retirement Options for which TLIC retainsinvestment discretion over the assets.

The separate accounts investment choices in your contract are subject to asset-based charges that may consist of one to three components: (1) Administrative charges of the TLICseparate account; (2) Investment management charges of the TLIC separate account; or (3) Expenses and charges imposed by the underlying investment vehicles. Please see yourproposal for more details on fees.

FIDUCIARY POSITIONTLIC acknowledges it is a “fiduciary” within the meaning of the Employee Retirement Income Security Act of 1974, as amended, (“ERISA”) with respect to the “Ret Opt” separateaccounts and “Ret Acct” sub-accounts as described below.

For TLIC Investment Choices with names ending in “Ret Opt” (short for “Retirement Option”), TLIC has discretionary authority over (1) the selection, oversight, and de-selection of theadvisors and/or sub-advisors who manage the underlying portfolio of assets (where applicable) and (2) selecting, monitoring and de-selecting underlying investment vehicles for theseaccounts. TLIC, by virtue of its discretionary authority to make changes to the investment direction of these investment choices, acts as a fiduciary with respect to manager selection,oversight, and de-selection.

TFLIC Investment Choices with names ending in “Ret Acct” (short for “Retirement Account”), invest in TLIC Retirement Options. As described above, TLIC acts as a fiduciary withrespect to manager selection, oversight, and de-selection of the underlying investments of the retirement accounts.

Transamerica Financial Life Insurance Company and Transamerica Life Insurance Company are affiliates of Diversified Investors Securities Corp.,Transamerica Investment Management, Inc., and Transamerica Asset Management Group.

8 Transamerica Retirement Services and its representatives cannot give ERISA, tax, orlegal advice. This material is provided for informational purposes only based on ourunderstanding of material provided and should not be construed as ERISA, tax, or legaladvice. Clients and other interested parties must consult and rely solely upon their ownindependent advisors regarding their particular situation and the concepts presentedhere. Although care has been taken in preparing this material and presenting itaccurately, Transamerica Retirement Services disclaims any express or implied warrantyas to the accuracy of any material contained herein and any liability with respect to it.

9 Chatham Partners' 2009 Client Satisfaction Analysis Survey, December 2009.Chatham Partners, LLC is an independent, third party research firm. Questionswere asked of 804 Transamerica Retirement Services' clients. Quantitativequestions were rated on a 7-point scale with "6" and "7" representing the highestlevels of satisfaction. A "Best in Class" rating was received when over 85 percentof the respondents selected a "6" or "7" for a specific area. Transamerica receiveda total of 38 "Best in Class" rankings in Chatham's 2009 analysis.

10 The Boston Research Group “2009 Defined Contribution Plan 401(k) ParticipantStudy” is a nationwide study of 29 plan providers with a sample of 7,014 401(k)participants actively contributing to the plan. The survey is a 14-minute online surveyand all providers’ participants weighted equally in calculating norms.

11 Transamerica Retirement Services' communication materials have received awards fromvarious organizations, including the Awards for Publications Excellence ("APEX") in2007-2009; Communicator Awards in 2005-2009; DALBAR, Inc. in 2005-2009;Hermes Creative Award in 2007-2009; Mutual Fund Education Alliance ("MFEA") StarAward in 2009; Profit Sharing Council of America ("PSCA") in 2009; MarCom Awardsin 2007-2008; and the Insurance and Financial Communicators Association ("IFCA")in 2008. For more information please refer to the Web site www.TA-Retirement.com.

12 All investment choices are Transamerica Life Insurance Company (“TLIC”) orTransamerica Financial Life Insurance Company (“TFLIC”) separate accountinvestment choices that are either managed (or invest in underlying investment vehiclesmanaged) by affiliated or nonaffiliated investment managers, except for theTransamerica Stable Value Advantage Option and the Transamerica Stable Value

Advantage Account. The Transamerica Stable Value Advantage Option and theTransamerica Stable Value Advantage Account are not separate account investmentchoices; they are an investment in the TLIC or TFLIC general account. Some limitationson the number of investment choices based on first-year deposits or on total plan assetsmay apply. Maximum number of investment choices is 80.

13 © 2009 Morningstar, Inc. All Rights Reserved. The information contained herein:(1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is notwarranted to be accurate, complete or timely. Neither Morningstar nor its contentproviders are responsible for any damages or losses arising from any use of thisinformation. Past performance is no guarantee of future results. For eachinvestment choice with at least a three-year history, Morningstar determines aMorningstar RatingTM based on a proprietary Morningstar Risk-Adjusted Returnmeasure that accounts for variation in monthly performance, placing more emphasison downward variations and rewarding consistent performance. AlthoughTransamerica's investment choices are not included in Morningstar's open-endmutual fund database, Morningstar RatingsTM are derived by comparing theMorningstar Risk-Adjusted Returns for each investment choice to the funds in itsrespective Morningstar category within the open-end database. The top 10% offunds in each Morningstar category receive 5 stars, the next 22.5% receive 4 stars,the next 35% receive 3 stars, the next 22.5% receive 2 stars and the bottom 10%receive 1 star. (Each share class is counted as a fraction of one fund within thisscale and rated separately, which may cause slight variations in the distributionpercentages.) The Overall Morningstar RatingTM for each investment choice isderived from a weighted average of the performance figures associated with itsthree-, five-, and ten-year (if applicable) Morningstar RatingTM metrics.

14 Plan Administration Service Support (PASS) is an optional menu of varying servicesthat the plan sponsor (and the plan's third party administrator, if any) can select.PASS allows Transamerica to perform non-discretionary administrative services forthe plan at the direction of the Plan Administrator under guidelines established bythe Plan Administrator in its sole discretion, and is available depending upon theplan's assets. Additional fees will apply for the PASS services that you choose. Theplan's third party administrator (if any) may determine availability of these services.

CONTACT SPECIAL MARKETS AT (866) 393-8967, option 1 + option 1,SEND AN E-MAIL TO MEPSPONSORSALES@TRANSAMERICA.COM,OR VISIT WWW.TA-RETIREMENT.COM FOR MORE INFORMATION.

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