Transition with ease Plan name here PRESENTER’S NAME TITLE

Transition with ease Plan name here PRESENTER’S NAME TITLE 1 Transition with Ease

today’s goals Welcome to Transamerica Your retirement savings Tools and resources Next steps 2 Transition with Ease

why Transamerica? Exclusive focus 3 Transition with Ease Extensive expertise 3.6 million participants Award-winning service

what the move means for : your Existing Account Balance Ongoing Contributions Investment Strategy 4 Transition with Ease

what the move means for your existing account balance Your retirement savings transferred to Transamerica. 5 Transition with Ease

what the move means for your existing account balance Your retirement savings are still with your former plan provider. 11 Transfer it to your new Transamerica account Email us: [email protected] THREE CHOICES: 22 Roll Rollititover overto toan an IRA, IRA,either eitherwith with Transamerica Transamericaor or another anotherprovider provider 33 Keep money with the old plan provider Call us: 800-275-8714 Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating your accounts could help reduce your costs. Be sure to consider whether such a transfer changes any features or benefits that may be important to you. Employer-sponsored retirement plans may have features that you may find beneficial such as access to institutional funds, fiduciary selected investments, and other ERISA protections not afforded other investors. In deciding whether to do a rollover from a retirement plan, be sure to consider whether the asset transfer changes any features or benefits that may be important to you. 6 Transition with Ease

what the move means for your ongoing contributions Your contribution rate (a.k.a. “savings rate”) has stayed the same and your automatic paycheck deductions will continue. Consider Consider saving saving as as much much as as you you can can — — experts experts recommend recommend 10% 10% You should evaluate your ability to continue saving in the event of a prolonged market decline, unexpected expenses, or an unforeseeable emergency. 7 Transition with Ease

what the move means for your ongoing contributions Your automated paycheck contributions have stopped – you have to create a new account with Transamerica and choose a new savings rate. Consider Consider saving saving as as much much as as you you can can — — 10% 10% ifif possible! possible! You should evaluate your ability to continue saving in the event of a prolonged market decline, unexpected expenses, or an unforeseeable emergency. 8 Transition with Ease

what the move means for your investment strategy Some investment options are the same as previous plan Some Someinvestment investment options optionshave havebeen been replaced replacedwith withsimilar similar ones ones Some new investment options have been added Registered funds are available by prospectus only. You should consider the objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them carefully before you invest. 9 Transition with Ease

what the move means for your investment strategy Your employer created a new selection of investment options for you to choose from 10 Transition with Ease IfIf you you do do not not direct direct your your contributions contributions to to any any of of these, these, you’ll you’ll be be automatically automatically invested invested in in the the default default fund fund

what the move means for your beneficiaries Former beneficiary information transferred to your new account 11 Transition with Ease Take Takeaamoment momentto to review reviewand andupdate update ififneeded needed Remember: your will does not include your retirement assets

what the move means for your beneficiaries Former beneficiary information was not transferred to your new account 12 Transition with Ease Add Addin inbeneficiary beneficiary information information Remember: your will does not include your retirement assets

what the move means for your outstanding loans Balance moved to Transamerica Repayments Repayments continue continue through through automatic automatic payroll payroll deductions deductions Retirement plan loans are subject to plan restrictions. The Plan document will govern. 13 Transition with Ease

what the move means for your outstanding loans Outstanding loan(s) stayed with prior provider 14 Transition with Ease Can’t Can’t transfer transfer account account balance balance until until loan(s) loan(s) repaid repaid

plan highlights 15 Transition with Ease

extra benefits Company match Receive additional money from your employer (RPCs – insert formula if you know it; delete bullet if you don’t) Your employer will match the first [X%] that you contribute from your paycheck, up to [X% or X] Max your match*: Contribute at least enough to earn your full employer match *Matching contributions are subject to plan eligibility and vesting requirements. Descriptions of plan features and benefits are subject to the plan document, which will govern in case of inconsistencies. 16 Transition with Ease

set your savings goals Match Get your full employer match 10% Contribute 10% of your current pay Max Your maximum contribution: 18,000 ( 24,000 if age 50 ) Matching contributions are subject to plan vesting requirements. Descriptions of plan features and benefits are subject to the plan document, which will govern in case of inconsistencies. 17 Transition with Ease

set your savings goals 5% Contribute 5% of your current pay 18 Transition with Ease 10% Contribute 10% of your current pay Max Your maximum contribution: 18,000 ( 24,000 if age 50 )

extra benefits Employer contributions Your employer will contribute money to your retirement account, as a nondiscretionary contribution, if you have met the necessary eligibility requirements! (RPCs – insert the amount if you know it; delete bullet if unknown) Employer contribution: [ X or X%], [varies by year] Employer contributions are subject to plan eligibility and vesting requirements. Descriptions of plan features and benefits are subject to the plan document, which will govern in the event of any inconsistencies. 19 Transition with Ease

tax advantages Pretax contributions may cut current federal taxes Earnings compound tax-deferred year after year -33,250 35,000 1,750 Annual income – Retirement plan savings Lower current taxable income Generally, your pre tax contributions, plus investment earnings and dividends, are subject to income taxes upon withdrawal. 20 Transition with Ease

tax options PAY now Roth: Contributions made after taxes are calculated PAY OR later Traditional: Pay taxes on withdrawals as you take them You should consult with a tax advisor to determine what deferral election is best for your individual circumstances. 21 Transition with Ease

investments 22 Transition with Ease

investments 1 One-step One-step solution solution PortfolioXpress SecurePath for Life Custom Model Portfolios Transamerica Managed Account Target Date Funds Asset Allocation Funds See important information about these one-step solutions that follow. 23 Transition with Ease

PortfolioXpress PortfolioXpress is a registered service mark of Transamerica Retirement Solutions Corporation (Transamerica). PortfolioXpress presents a series of asset allocation models up to and through a designated retirement year. You are solely responsible for selecting the retirement year and risk preference (if applicable). In implementing the service, you agree to each asset allocation mix and automated rebalancing transaction that will take place over time within the account as you approach the selected retirement year. If you sign up, you should carefully review the service agreement for details on any applicable fees and other terms and conditions that may apply. PortfolioXpress is designed as investment education. Transamerica does not provide investment advice. Retirement date portfolios are subject to the same risks as the underlying assets in which they invest. In general, the higher the portfolio’s allocation to stocks, the greater the risk. The principal value of the portfolio is never guaranteed, including at and after the target date. Diversification does not guarantee against loss in a falling market. 24 Transition with Ease

SecurePath for Life SecurePath for Life consists of a group variable annuity contract which offers certain guaranteed lifetime withdrawal benefits to participants. Although SecurePath for Life provides a guaranteed income base as well as a guaranteed income amount consisting of a guaranteed lifetime withdrawal benefit, the investment options available under the product are variable investments and may lose value. Certain withdrawals will reduce a participant’s income base, and therefore the guaranteed income amount. Your plan sponsor may exercise certain rights under the group variable annuity contract that may terminate the guaranteed lifetime withdrawal benefits available to you, including termination of the contract, termination of the plan, or the transfer of the assets left under the contract to another investment fund. Guarantees are subject to the terms and conditions set forth in the contract and the prospectus. Group annuity contracts are issued by Transamerica Life Insurance Company (TLIC), 4333 Edgewood Road NE, Cedar Rapids, IA 52499, which is licensed and offers products in all states except New York. Withdrawal guarantees provided under SecurePath for Life are supported by TLIC’s general account and are contingent on the claims paying ability of TLIC. Group annuity contracts are issued by Transamerica Life Insurance Company (TLIC), 4333 Edgewood Road, NE, Cedar Rapids, Iowa 52499, which is licensed and offers products in all states, except New York. Guarantees of withdrawals provided under SecurePath for LifeTM are supported by TLIC’s general account and are contingent on the claims paying ability of TLIC. Group annuity contracts issued in New York are issued by Transamerica Financial Life Insurance Company (TFLIC), 440 Mamaroneck Avenue, Harrison, NY 10528, which is licensed in New York. Guarantees of withdrawals provided under SecurePath for Life are supported by TFLIC’s general account and are contingent on the claims paying ability of TFLIC. Product features and availability may differ by state. 25 Transition with Ease

Disclosures for slide 23 Custom Model Portfolios: When considering a custom portfolio, first think about your personal circumstances, market outlook, risk tolerance, and the potential universe of appropriate investments. If you subscribe to the service, your account will be rebalanced to the portfolio option you select. From time to time, funds may be added to or removed from the custom portfolio mixes, or changes may occur to the portfolios’ target investment allocations. The custom model portfolios are subject to the same risks as the underlying assets in which they invest. The higher the portfolio's allocation to stocks, the greater the risk. The portfolio's principal value is never guaranteed. Maintenance of these portfolios is the responsibility of name of employer name of advisor .Transamerica Retirement Solutions does not provide advice to your account. Transamerica Managed Account: Ibbotson Associates , Inc. is an independent, third-party, SEC-registered investment adviser that provides the investment advice and portfolio management methodologies for the Managed AccountSM service. Neither Transamerica Retirement Solutions nor Ibbotson is responsible for selecting the core investment options available within the plan. Target date funds generally invest in a mix of stocks, bonds, cash equivalents, and potentially other assets, either directly or via underlying investments, and may be subject to all the risks of these assets. The allocations become more conservative over time: The percentage of assets allocated to stocks will decrease while the percentage allocated to bonds will increase as the target date approaches. The higher the allocation is to stocks, the greater the risk. The investment option’s principal value is never guaranteed, including at and after the target date. Asset allocation funds invest in a mix of stocks, bonds, cash equivalents, and potentially other types of assets, either directly or via underlying investments, and are generally considered diversified investment choices. Allocation funds may be subject to all of the risks of the assets in which they invest. The higher the fund’s allocation to stocks, the greater the risk. Asset allocation and diversification do not assure better performance, cannot eliminate the risk of investment losses, and do not protect against an overall declining market. 26 Transition with Ease

investments 2 Do Do it it yourself yourself Variety of investment choices Schwab PCRA (brokerage) Schwab Personal Choice Retirement Account (PCRA) is not a fund but rather a participant self-directed brokerage account maintained at Charles Schwab & Co., Inc. Participants must individually apply for PCRA and are solely responsible for their fund selections made under the PCRA. Commissions and transaction fees may apply to fund trades placed outside of the Schwab Mutual Fund OneSource program or trades on other investment vehicles available through Schwab. An annual fee of 50 will be applied by Transamerica Retirement Solutions if you invest in the Schwab PCRA. Securities purchased through the PCRA are available through Charles Schwab & Co. Inc., (Member SIPC). Charles Schwab & Co., Inc. is not affiliated with Transamerica. 27 Transition with Ease

tools and resources 28 Transition with Ease

tools and resources 29 Transition with Ease

SM Less than 65% 65 – 79% 80 – 94% 95 – 100% Rainy Cloudy Partly Sunny Sunny IMPORTANT: The projections or other information generated by the OnTrack tool, which generates Your Retirement OutlookSM, regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, and do not guarantee future results. Results derived from the OnTrack tool may vary with each use and over time. Please visit your plan website for more information regarding the criteria and methodology used, the tool’s limitations and key assumptions, and other important information. See the end of the presentation for more about OnTrack . 30 Transition with Ease

account statements 31 Transition with Ease

account statements 32 Transition with Ease

one place to manage your savings Consolidate other retirement plan assets you may have to: Easily manage your savings Get a more complete view Stay diversified In some cases your prior provider may charge a surrender or withdrawal fee for transferring your account. Contact the provider to confirm if any fees apply to you. Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating accounts could help reduce your costs. Be sure to consider whether a transfer changes features or benefits that may be important to you. 33 Transition with Ease

what happens during the blackout period While the transition is in progress, you will not be able to access your account This is known as the “blackout period” 34 Transition with Ease

your next steps Set up your account and confirm your profile details. Review/update your contributions and investments. Name your beneficiaries and sign up for e-documents. Establish Your Retirement Outlook . SM 35 Transition with Ease

your next steps Set up your account and confirm your profile details. Review/update your contributions and investments. Name your beneficiaries and sign up for e-documents. Establish Your Retirement Outlook . SM 36 Transition with Ease

take action during the limited access period Online: By phone: 37 Transition with Ease

staying connected @TRSretire @Transamerica 38 Transition with Ease Transamerica Retirement Solutions TRSretire

expert support we’re here to help 39 Transition with Ease

questions & answers Online: By phone: 40 Transition with Ease

DISCLOSURES About Probability Illustrations, Limitations, and Key Assumptions The probability illustrations the OnTrack tool generates are based on “Monte Carlo” simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The illustrations are generated according to models developed by Ibbotson Associates, a leading independent provider of asset allocation, analytical, and wealth forecasting software. The Your Retirement Outlook SM graphic reflects the difference between the model’s estimated annual income (which corresponds to a 70% probability of achieving your income goal in the investment scenarios simulated) and your annual income goal. When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Ibbotson’s capital market assumptions developed using historical and forward-looking data. Current assets are assigned to asset classes based on Morningstar categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. The historical and forward-looking benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually; these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot invest directly in an index. . 41 Transition with Ease

DISCLOSURES OnTrack Tool: Benchmark Indexes Lower Risk/ Volatility Higher Risk/ Volatility 42 Transition with Ease Asset Class Forward-Looking Benchmark Historical Benchmark Cash Citigroup 3-Month Treasury Bill Ibbotson SBBI T-Bill Index Short-Term Bonds Barclays U.S. Treasury 1-3 Yr Term Index Ibbotson 2 Yr Treasury Index TIPS Barclays Capital U.S. Treasury: U.S. TIPS Ibbotson TIPS Index Aggregate Bonds Barclays Capital U.S. Aggregate Index Barclays Capital U.S. Aggregate Index Long-Term Bonds Barclays Capital U.S. Long Credit A Index Ibbotson 25 Year Treasury Index High-Yield Bonds Barclays Capital U.S. Corporate High Yield Index Ibbotson High Yield Index International Bonds Citigroup WGBI Ibbotson Global Bond Composite Large-Cap Stocks Russell 1000 Index CRSP Declines Index Mid-Cap Stocks Russell Midcap Index CRSP Declines Index Small/Mid-Cap Stocks Russell 2500 Index CRSP Declines Index Small-Cap Stocks Russell 2000 Index CRSP Declines Index REITs FTSE NAREIT Equity REITs FTSE NAREIT Equity REITs International Stocks MSCI EAFE Index MSCI EAFE Index Emerging Markets MSCI Emerging Markets Index Ibbotson Emerging Market Composite Commodities DJ-UBSCISM S&P GSCI Commodity Sector Indices .

DISCLOSURES OnTrack Tool: Assumptions and Limitations Unless you choose otherwise or your employer supplies different information, the probability illustrations assume retirement at the age at which you qualify for full Social Security benefits and an annual retirement income goal of 80% of your projected final working salary. Social Security estimates are based on the Social Security Administration methodology and your current salary. The probability illustrations also assume a consistent contribution percentage (unless you’ve chosen to periodically increase it) and asset allocation (no future changes or rebalancing), annual inflation of approximately 2%, and annual salary increases based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality assumptions are based on the Society of Actuaries tables. The models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the models. Some asset classes have relatively limited histories; for these classes the models use historical data for shorter time periods. The model does not consider other asset classes such as hedge funds or private equity, which may have characteristics similar or superior to those used in the model. There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results derived from the OnTrack tool may vary with each use and over time. IMPORTANT: The projections or other information generated by the OnTrack tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Moreover, even though the tool’s estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or account for every possible scenario that may negatively impact your financial situation. Thus you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider. . 43 Transition with Ease

DISCLOSURES The information in this seminar is general in nature and subject to change. Neither we nor TISC give legal or tax advice. Applicable laws and regulations are complex and subject to change. For legal or tax advice concerning your situation, please consult your attorney or professional tax advisor. Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528, distributes securities products. Any mutual fund offered under the plan is distributed by that particular fund’s associated fund family and its affiliated broker-dealer or other broker-dealers with effective selling agreements such as TISC. Bank collective trusts funds, if offered under the plan, are not insured by the FDIC, the Federal Reserve Bank or any other government agency and are not registered with the Securities and Exchange Commission. Group annuity contracts, if offered under the plan, are made available through the applicable insurance company. Any guarantee of principal and/or interest under a group annuity contract is subject to the claims-paying ability of the applicable insurer. Certain investment options made available under the plan may be offered through affiliates of Transamerica Retirement Solutions and TISC. These may include: (1) the Transamerica Funds (registered mutual funds distributed by Transamerica Capital, Inc. (TCI) and advised by Transamerica Asset Management, Inc. (TAM)); (2) the Diversified Investment Advisors Collective Trust, a collective trust fund of Massachusetts Fidelity Trust Company (MFTC) (includes the Stable Pooled Fund); (3) group annuity contracts issued by Transamerica Financial Life Insurance Company (TFLIC), 440 Mamaroneck Avenue, Harrison, NY 10528 (includes the Stable Fund, the Fixed Fund, the Guaranteed Pooled Fund, and SecurePath for Life ); and (4) group annuity contracts issued by Transamerica Life Insurance Company (TLIC), 4333 Edgewood Road NE, Cedar Rapids, IA 52499 (includes SecurePath for Life ). ABC Company has selected Transamerica Retirement Solutions as your retirement plan provider, but there are no other affiliations between ABC Company and Transamerica, or its affiliates, TISC, TCI, TAM, MFTC, TFLIC, or TLIC. 12116–PT(03/15) 2015 Transamerica Retirement Solutions Corporation 44 Transition with Ease