www.TA-Retirement.com

(800) 401-8726

999999-TFLICTD-12099-TRS (04/13) (1) 04/01/2013

TRANSFORM YOUR TOMORROWSM

Plan for Your Retirement

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At Transamerica Retirement Solutions (Transamerica), we understand that planning for retirement can be challenging, especially with the complexities of life. That’s why we focus on helping you take control of your retirement savings strategy and chart an informed course toward your financial future.

This enrollment workbook provides tools and information to develop a retirement savings plan quickly and easily. As an established and respected provider of retirement services, our Transamerica team is dedicated to serving your saving and investment needs for and through retirement.

With over 75 years of experience in the retirement services business, Transamerica and its affiliates create customized retirement plan solutions to meet the unique needs of large to emerging businesses. We are committed to helping companies build a strong retirement plan benefit for their employees by offering a wide range of products and services with the ambition to be the best in the industry.

Transamerica is ranked among the nation’s top providers,1 and helps more than three million retirement plan participants save and invest wisely to secure their retirement dreams. For more information about Transamerica, please visit www.TA-Retirement.com.

Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. Transamerica and TISC are affiliated companies.

WE ARE THE TOMORROW MAKERS SM

1 Transamerica received 84 “Best in Class” ratings in Chatham’s 2012 Analysis for Emerging Markets clients. Chatham Partners, LLC is an independent, third-party research firm. Chatham Partners’ 2012 Client Satisfaction Analysis is based on 697 Emerging Markets client responses. The Chatham Partners’ proprietary small market DC benchmark is comprised of survey results of ten 401(k) providers. The ‘Best in Class’ references are to service categories in which at least 85% of Transamerica clients rated Transamerica as a “6” or “7” on a seven-point scale. Results may vary based on the employer’s particular situation and other factors.

The information in this enrollment workbook is intended to be educational and to provide you with information that may help you make better use of retirement savings opportunities in realizing your retirement goals. Different assumptions concerning earnings, taxes, investment rates of return, and retirement age will generally yield different results. All information in this enrollment workbook is provided for illustrative purposes only and should not be considered legal or investment advice.

GeneralAssumptionsAll calculations in this enrollment workbook are for illustrative purposes only. Your circumstances will differ from these examples. Calculations in this enrollment workbook display the future value of investments. All deposits are assumed made at the end of each year. Your own deposit schedule will depend on your plan specifics. Unless otherwise specified, the annual rate of return is 6.3%, net of fees. This return is for illustrative purposes only, does not reflect the performance of any specific investment choice, and is not intended to imply or guarantee future returns. No taxes are applied to plan balances. Plan balances are fully taxable upon withdrawal. Withdrawals before age 59½ may trigger an additional 10% early withdrawal penalty tax. Returns are assumed to be the same each year. Actual values may increase or decrease in any given year.

To estimate Social Security benefits, we’ve assumed that you have enough participation in the Social Security system to be fully and currently insured and eligible for Social Security benefits and that you have been participating in Social Security since you were first eligible. Several assumptions about your pay history and future pay levels have been made in order to consider Social Security benefits in determining your retirement savings goal.

AssetClassDisclosures:SampleInvestmentAllocationsinvestment Mixes Each investment mix is comprised of four or more asset classes: cash equivalents, bond, high yield bond, large/mid value equity, large/mid blend equity, large/mid growth equity, small company equity, or international equity.

CashEquivalents This category seeks to protect against loss of principal while providing returns comparable to money market funds and short-term Treasury instruments. An investment in a cash equivalent investment choice is not insured or guaranteed by the FDIC or any other government agency. Although the investment seeks to preserve the value of your principal, it is possible to lose money by investing in the investment choice. These investment choices have generally provided a dependable level of stability and liquidity; nevertheless, the investment is still subject to credit risk and to liquidity risk.

Bond The values of bonds change in response to changes in economic conditions, interest rates, and the creditworthiness of individual issuers. The value of bonds and bond funds generally falls when interest rates rise, causing an investor to lose money upon sale or redemption.

High Yield Bond Lower rated high-yield corporate debt securities represent a much greater risk of default and tend to be more volatile than higher rated or investment grade bonds.

large/Mid Value Equity Historically, common stocks have provided greater long-term returns and have entailed greater short-term risks than other investments. The securities issued by mid-cap companies may be more susceptible to market downturns, and their prices could be more volatile than those of larger companies. Value stocks may be subject to special risks that have caused the stocks to be out of favor and undervalued in the management company’s opinion.

large/Mid Blend Equity Historically, common stocks have provided greater long-term returns and have entailed greater short-term risks than other investment choices. Smaller or newer issuers carry more risk than larger, more established issuers. The securities issued by mid-cap companies may be more susceptible to market downturns, and their prices could be more volatile than those of larger companies.

Large/Mid Growth Equity Historically, common stocks have provided greater long-term returns and have entailed greater short-term risks than other investment choices. Smaller or newer issuers carry more risk than larger, more established issuers. The securities issued by mid-cap companies may be more susceptible to market downturns, and their prices could be more volatile than those of larger companies. Growth stocks tend to be more volatile than stocks that have below market valuations.

Small Company Equity Historically, common stocks have provided greater long-term returns and have entailed greater short-term risks than other investment choices. Smaller or newer issuers carry more risk than larger, more established issuers.

international Equity Foreign securities and markets pose involve special risks in addition to those customarily associated with domestic securities. These risks include, but are not limited to, currency risk, political risk, and risk associated with varying accounting standards. Investing in emerging markets may accentuate these risks.

Risk tolerance and how to invest is a personal decision. We assume that once you reach age 65, you will, where possible, reduce the risk/return of your portfolio.

WeightingofAssetClassesandRatesofReturnFor the period 1962–1985, all data with respect to the investment types included within the weighting of asset classes was obtained from Stocks, Bonds, Bills and Inflation® 2001 Yearbook, Ibbotson Associates (“Ibbotson Yearbook”) and Russell/Mellon Analytical Services: “Cash Equivalents” 100% 30-Day Treasury Bills; “Bond:” 100% Intermediate-Term Government Bonds; “High Yield Bond:” 100% Merrill Lynch High Yield Master Cash Pay Index; “Large/Mid Value Equity” 100% S&P 500® Value Index; “Large/Mid Blend Equity” 100% S&P 500® Index; “Large/Mid Growth Equity” 100% S&P 500® Growth Index; “International Equity” 100% Morgan Stanley Capital International Ex-US Index; “Small Company Equity” 100% Small Company Stocks. Where index data was not available, hypothetical returns were computed by adjusting the actual performance of Intermediate-Term Government Bonds, S&P 500® Index and Small Company Stocks to reflect historical performance differences between the investment types. Past performance does not indicate future results. For the period 1986–2011, all data with respect to the investment types included within the weighting of asset classes was obtained from Morningstar,® Inc: “Cash Equivalents” Citigroup 3-Month T-Bill Index; “Bond” Barclays Capital Aggregate Bond Index; “High Yield Bond” Credit Suisse High Yield Index; “Large/Mid Value Equity” Russell 1000 Value Index;® “Large/Mid Blend Equity” S&P 500® Index; “Large/Mid Growth Equity” Russell 1000 Growth Index;® “International Equity” Morgan Stanley Capital International World ex-US Index; “Small Company Equity” Russell 2000 Index.®

SampleInvestmentAllocationReturns An assumed annual management fee of 1.25% has been applied to sample investment returns. Actual management fees may be higher or lower. Other charges may also apply that would reduce the return.

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TABLEof contents

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Begin your journey. Enroll today.

The first step in your journey to retirement is enrolling in your

employer-sponsored retirement savings plan. Simply review the following

forms and instructions and submit the completed documents to your plan

administrator. You can also access plan and account information online by

visiting www.TA-Retirement.com. Our website provides up-to-date information,

helpful tips, and interactive tools to help you discover, build, and manage

your account, including a complete set of investment fact sheets.

Our automated telephone system also offers direct access to your plan

account information. Call (800) 401-8726 to access the system 24 hours a

day, seven days a week.

Remember, it’s never too early or too late to save for retirement. We are here

to help you start saving today for a more enjoyable tomorrow.

Forms and

instructions

Page 3

Determine your

savings goal

Page 15

Discover your

risk profile

and investment

choices

Page 19

Start today

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