Help Your Employees Brighten Their Retirement Outlook

At Transamerica Retirement Solutions, we’re dedicated to providing “Best in Class” retirement plan services that help participants to retire with confidence, independence, and security.

We channel all our resources into delivering a wide array of administrative, compliance, and participant services, all powered by our flexible technology.

We continually develop innovative strategies to help our clients maximize the value their retirement plan brings to their participants.

Not only do we have a depth of knowledge across all types of defined contribution plans, we’ve amassed a breadth of experience working with client organizations of all types and sizes.

With Transamerica, you can expect:

• A clear focus on creating more super savers for retirement.

• Care and emphasis placed on your experience as the plan sponsor to provide easy, effective, and efficient interaction with Transamerica.

• Targeted, customized participant communications that provide real-time progress reports and motivate them to take action.

• Industry-leading, flexible recordkeeping technology.

• Comprehensive compliance and testing services, either by Transamerica or your third party administrator (TPA).

• Full fee and revenue transparency.

We invite you to learn more about how we can maximize the benefits of a retirement plan for your participants while minimizing your administrative responsibilities.

Emerging Markets

Defined Contribution Services At A Glance

Plan sponsor and financial professional use only. Not for public distribution.

Transamerica Retirement Solutions is a leading provider of customized retirement plan solutions for small to large organizations, and helps more than four million retirement plan participants to retire with confidence, security, and independence.

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Access a world of investment options

Your retirement plan will have access to a vast array of investment choices, providing a broad representation of asset classes, to best meet the needs of your participants. You and your financial advisor will hand-pick the investment lineup for your plan.

PortfolioXpress®1 is a tailored target date asset allocation service that offers one-step diversification. PortfolioXpress® creates an automated glidepath for each participant using only the investments available in your plan (as recommended by your financial advisor and chosen by you).

Optional 3(21) fiduciary services.2 Mesirow Financial Investment Management, Inc. (Mesirow Financial), an independent, SEC-registered investment advisor, can provide you with plan-level investment advice and ERISA Section 3(21) fiduciary services. Mesirow Financial will:

• Assist you in your fiduciary responsibilities with respect to investment selection and monitoring.

• Provide you with the Elite List – a broad menu of approved funds across many asset classes on the Transamerica platform for which Mesirow Financial takes fiduciary responsibility.

• Perform and defend its duties and obligations with respect to investment option monitoring in compliance with ERISA. If the plan sponsor and/or the advisor are sued by a third-party claiming that Mesirow Financial breached its ERISA fiduciary duty, the liability to Mesirow Financial is uncapped and Mesirow Financial will step in and defend the claim.

Annual retirement review. Customized annual plan reviews for plan sponsors, so you know where you stand and where you’re headed.

Transition with ease and administer with confidence

Seamless transitions. At Transamerica, we draw on our experience with thousands of plans to tailor a transition strategy for each client. Plan sponsors can rest assured as they receive periodic status updates throughout the entire conversion process.

“Best in Class” administration. We can service your administrative needs effectively and efficiently—as employees enter the plan, manage their accounts, and leave your organization.

PASS—Plan Administration Service Support.3 PASS allows plan sponsors to save time by retaining Transamerica for administrative support. Under guidance from the sponsor, Transamerica can assist with a flexible array of duties, including enrollment, communication, distributions, loans, and payroll support.

Expert compliance support. Transamerica’s in-house team or your third party administrator is up to date on everything from plan design and compliance regulations to testing and government reporting.

Sophisticated, flexible technology. Our robust and adaptable technology facilitates the recordkeeping of your plan. We will keep you informed about your plan, including any regulatory and compliance needs.

PortfolioXpress® for one-step asset allocation

Optional 3(21) fiduciary services

Wide array of investment choices

Plan sponsor and financial professional use only. Not for public distribution. 2

Personalized Your Retirement OutlookSM

reports

OnTrack® gap analysis tool

Customized target date portfolios

You and your participants will have access to next-generation mobile apps, such as:

Augmented Reality by Transamerica (ART)— When used in conjunction with a Transamerica ART-enabled poster, the app will animate the poster—driving home one of our key messages that promote workplace saving or smart money management and encourages immediate action by participants.

Plan sponsor and financial professional use only. Not for public distribution.

Keep participants on the right path to retirement

Everything we do is focused on one key goal: retirement readiness. Through a comprehensive, ongoing communications program, we help participants answer three key questions:

• Am I on the right path toward a funded retirement?

• How much more should I be contributing?

• Where should I invest?

Personalized progress reports. Your Retirement OutlookSM provides each participant in your plan with an assessment of his or her individual retirement readiness status showing if they are OnTrack®4 with their retirement planning strategy. OnTrack® uses easy-to-understand weather icons, which display the estimated percentage of a participant’s targeted future income they’re on course to receive based on their current savings and investment strategies. Better still, we specify steps they can immediately take to help improve their forecast.

Streamlined investing. Transamerica makes it easier for participants to create and maintain a diversified portfolio. For example, with PortfolioXpress®, a participant can elect to use a customized target date solution that’s tailored using your plan’s investments, and gradually rebalanced over time to be more conservative as the selected retirement year approaches.

Professional assistance. Participants benefit from direct access to professional assistance through a variety of touchpoints—whether they prefer to call, go online, or meet with us in person.

Brighten Your Plan Outlook®

Keep participants on the right path to retirement

Everything we do is focused on one key goal: retirement readiness. Through a comprehensive, ongoing communications program, we help participants answer three key questions:

• Am I on the right path toward a funded retirement?

• How much more should I be saving?

• Where should I invest?

Personalized progress reports. At any time, participants can check their personalized Your Retirement Outlook. Through easy-to-understand weather icons, we forecast what percentage of their targeted future income they’re on target to receive based on their current savings and investment strategies. Better still, we specify steps they can take to improve their forecast.

Streamlined investing. We also make it easier for participants to create and maintain a diversified portfolio. For example, with one decision, they can choose one of our PortfolioXpress portfolios. These customized target date solutions are tailored using your core investment funds, and continually rebalanced over time to be more conservative as the selected retirement year nears.

Professional guidance. Through every touchpoint, we provide participants with access to expert assistance—whether they prefer to call, go online, or meet with us in person.

RetireIncomeTrack. We also provide those transitioning to—and moving through—retirement with access to a special RetireIncomeTrack report that helps them optimize a sustainable income strategy during retirement. Our mission: to help

people save and invest wisely to live the life they want.

Personalized Your Retirement OutlookSM reports

OnTrack® gap analysis tool

Customized target date portfolios

RetireIncomeTrack® reports to help retirees optimize their income strategy

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less than 65% 65 – 79% 80 – 94% 95% or moreof a participant’s targeted annual income goal

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We welcome the opportunity to discuss how we can put our strengths to work for your organization.

To learn more, please visit trsretire.com or call us at 888-401-5826.

Plan sponsor and financial professional use only. Not for public distribution.

“Best in Class” service from Transamerica

We are committed to providing quality service in everything we do. Not only does that motivate us to seek feedback from clients at every stage of our relationship, it’s also reflected in the many accolades we’ve earned.

82 “Best in Class” ratings, including Overall Satisfaction with Plan Sponsor Administrative Services, Provides High Quality Service, Easy To Do Business With, Overall Satisfaction with Transaction Processing, and Overall Satisfaction with Personnel.

66 “Best in Class” Cups for sponsor and participant services (PLANSPONSOR® magazine’s 2014 Defined Contribution Survey).

Chatham Partners’ 2014 Client Satisfaction Analysis - Transamerica Retirement Solutions received 82 “Best in Class” ratings in Chatham Partners’ 2014 Client Satisfaction Analysis program, for the small-plan market. Chatham Partners, LLC is an independent, third-party research firm. Chatham Partners’ 2014 Client Satisfaction Analysis is based on 468 small- plan client responses. The “Best in Class” references are to service categories when 85% or more of Transamerica clients rated Transamerica as a “6” or “7” on a 7-point scale.

Transamerica Retirement Solutions was awarded 66 “Best in Class” Cups in the under $5 million to $1 billion markets in PLANSPONSOR® magazine’s 2014 Defined Contribution Survey for sponsor and participant services. The complete results of the Defined Contribution Survey were announced in the November 2014 issue of PLANSPONSOR®

magazine. The survey polled 5,291 clients. “Best in Class” awards are given to the three highest scoring providers in each area of service and any other providers with scores that exceed the benchmark score established for a given asset range.

1 PortfolioXpress® is a registered service mark under license to Transamerica Retirement Solutions Corporation. PortfolioXpress® is available to plans that have online enrollment at no additional cost although the fees of the underlying investment choices continue to apply. PortfolioXpress® is a service which presents a series of asset allocation models up to and through a designated retirement year. The participant is solely responsible for selecting the retirement year. In implementing the service, the participant agrees to each of the asset allocation mixes, and each of the automated rebalancing transactions that will take place over time within the account as the participant approaches a selected retirement year. If participants sign up, they 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. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio’s allocation to stocks generally 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.

2 Mesirow Financial is an independent, SEC-registered investment advisor, and can provide the plan sponsor with plan-level investment advice and ERISA Section 3(21) fiduciary services. Mesirow Financial services as an investment fiduciary along with the sponsor, and provides unbiased investment advice to the sponsor in the selection and monitoring of the plan’s investment line-up. The plan sponsor maintains complete control and responsibility over the selection of the plan’s investment line-up. The fee for 3(21) fiduciary service is charged again plan assets, and is deducted monthly. Mesirow Financial will act as an investment fiduciary only for those investment it recommends on its Elite list. Sponsors can choose investment choices from the Elite List for Mesirow Financial’ s fiduciary coverage to apply. The specific role played by Mesirow Financial and the legal protection offered is governed by the agreement between Mesirow Financial and the plan sponsor. Nothing herein is intended to modify such agreement. Mesirow Financial is not affiliated with Transamerica.

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

4 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. OnTrack® is offered by Transamerica Investors Securities Corporation, 440 Mamaroneck Ave, Harrison, NY 10528.

Transamerica Retirement Solutions is a national firm specializing in retirement plans and retirement services. Transamerica Retirement Solutions is prohibited by law from providing tax or legal advice outside the company. The information provided here is intended solely as a general summary and is not intended to serve as legal or tax advice applicable to particular matters or situations. Transamerica companies identified here are affiliated.

18856-PS_B_EJ_DC_At-A-Glance_Brochure (5/15)© 2015 Transamerica Retirement Solutions Corporation 4