1. For broker and sponsor use only in the Emerging Markets Division.
PortfolioXpress®
John Doe
Financial Advisor, XYZ Company
John Doe
Regional Vice President, Transamerica
For broker and sponsor use only in the Emerging Markets Division.
TRSC
Not Bank Guaranteed
May Lose Value
Not FDIC Insured

2. PortfolioXpress®: a customized target-date allocation service
How does it work?
• PortfolioXpress provides essential diversification through an automatic investment mix based on the specific investment choices included in your investment line-up.
• Once participants select PortfolioXpress, their account balances are diversified among your plan’s investment choices based on their selected retirement date and risk preference (if this option is made available by the sponsor).
• Participant accounts are automatically rebalanced each quarter, gradually adjusting the asset allocation towards a more conservative stance along a glide path.
• The glide path contains 21 model portfolios. Each model has a target allocation to each asset class and covers a range of years to retirement.
Model Construction
• PortfolioXpress will use the investment choices within different stock and bond asset classes to create the model portfolios.
• Target Maturity Funds, Strategic Allocation Funds, Balanced Funds and certain specialty
funds will not be included.
• Allocation strategies are all formula driven.
PortfolioXpress® is a registered service mark of Transamerica Retirement Solutions Corporation. 2

3. PortfolioXpress®: a customized target-date allocation service
Risk preference feature
Investment choice consistency across all participants
Plan can determine QDIA eligible
No additional cost although the fees of the underlying investment choices continue to apply
The service is offered at no additional cost although the fees of the underlying investment choices continue to apply.
See slides for notes.
Risk preference feature
Investment choice consistency across all participants
Plan can determine QDIA eligible
No additional cost

4. PortfolioXpress®: a customized target-date allocation service
“One-Step Diversification”
Age-appropriate customized portfolios
Automatic quarterly rebalancing
Consistency of balance and future contributions
Strategy can be tailored to risk preference
Gradual reduction of risk exposure over time
Participants can join or leave at any time
See slides for notes.
Age-appropriate customized portfolios
Automatic quarterly rebalancing
Consistency of balance and future contributions
Strategy can be tailored to risk preference
Gradual reduction of risk exposure over time
Participants can join or leave at any time

5. PortfolioXpress®: a customized target-date approach
Offers three risk preferences to participants to tailor their investment strategy if the option is offered by the sponsor
Sponsors can opt to offer the risk preference functionality to participants.
If selected by the sponsor,
participants have a choice
of 3 risk profiles: Approximate Equity Exposure at retirement
Conservative Lifetime: 40%, Retirement: 20%
Moderate Lifetime: 52%, Retirement: 30%
Aggressive Lifetime: 60%, Retirement: 35%
Each risk profile determines a different starting point and evolution on the glide path
An online questionnaire can be used by participants to help participants determine their risk profile, and the selected risk preference will affect current and future portfolios within the PortfolioXpress service
Moderate risk preference will be the default setting
Conservative risk preference will achieve a portfolio that lies farther down the glide path (i.e., closer to retirement) than if they selected Moderate
Aggressive, will achieve a portfolio that lies farther up the glide path (i.e., further from retirement) than if they selected a moderate glide path. This allows participants to tailor their investment strategy to fit their needs without having to alter their expected retirement date
If sponsor does not offer a risk preference, a Moderate risk preference will be used
Conservative
Moderate
Aggressive

6. PortfolioXpress®: a glide path to or through retirement
Portfolio Glide Path Comparison
Sponsor can choose between different glide paths.
Fund usage
Stocks and Bonds asset classes are used in PortfolioXpress (PX)
Balanced, Employer Stock, SDBA’s, Strategic Allocation Funds, Target Maturity Funds are not used by PortfolioXpress
Lifetime Glide Path assumes that upon retirement your participants may live an additional 25 years or more and may have the sole responsibility to fund expenses from their retirement savings. Longevity risk, the risk of outliving their assets, is considered a major concern, which can be managed with a continued focus on capital growth through equity investing during retirement.
• Retirement Glide Path focuses more heavily on capital preservation and adjusts asset allocations to an approximate 30% equity position upon reaching the selected retirement age, and then glides to the most conservative stance, an approximate 10% equity position, over the next twenty years after the retirement date.
The illustration above is hypothetical and for educational purposes only and does not represent a specific asset allocation at any given time.
Years to Retirement 35 32 30 27 25 23 20 17 15 12 10 7 5 -5
-10
-15
-20
Lifetime PX Equity Fund Allocation
95%
90%
83%
75%
67%
60%
52%
46%
40%
35%
30%
Retirement PX Equity Fund Allocation
85%
80%
70%
65%
55%
50%
45%
25%
20%
15%
10%

7. PortfolioXpress®: check out PortfolioXpress user interface
John Doe
Glide Path
and
Allocations to core investment options
See slides for notes.
PortfolioXpress® is a registered service mark under license to Transamerica Retirement Solutions Corporation.
The illustration above is hypothetical and for educational purposes only and does not represent a specific asset allocation at any given time.

8. PortfolioXpress®: benefits for sponsors
Allocates assets among the specific investment choices in your plan
Allows you the flexibility to choose between a retirement and lifetime glide paths
Available to Transamerica clients at no additional cost although the fees of the underlying investment choices continue to apply
The service is offered at no additional cost although the fees of the underlying investment choices continue to apply.
PortfolioXpress allocates assets among the specific investment choices in your plan. This allows you to continue to monitor each investment choice and make changes as appropriate based on your specific evaluation criteria
Allows you the flexibility to choose between a retirement and lifetime glide path
Sponsors can determine to offer PortfolioXpress a Qualified Default Investment Alternative (QDIA)
Available to Transamerica clients at no additional cost
Please see important disclosures at the end of this presentation.

9. PortfolioXpress®: benefits for participants*
As a participant ages, assets are allocated more conservatively
One-step approach
Participants can adjust their risk preferences
Participants can join or leave the service at any time
No additional cost although the fees of the underlying investment choices continue to apply.
The service is offered at no additional cost although the fees of the underlying investment choices continue to apply.
Each participant’s selected retirement date is used to allocate their account balance among your plan’s available investment choices
Supported by the underlying assumption that as a participant ages, assets should be allocated more conservatively
One-step approach to helping participants reach their retirement goals through the automatic rebalancing of assets
PortfolioXpress enables participants to adjust their glide path based on their risk preferences — conservative, moderate or aggressive —if you choose to offer this flexibility
Participants can join or leave the service at any time
No additional cost
PortfolioXpress is investment education and is not intended as investment advice.
* PortfolioXpress® is investment education and is not intended as investment advice.
Please see important disclosures at the end of this presentation.

10. Questions

11. Disclosures
PortfolioXpress® is intended as investment education. Transamerica is not a plan fiduciary and does not provide investment advice.
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 and risk preference (if applicable). 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 fees and other terms and conditions that may apply.
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 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.
The ‘target retirement date’ is the date in which participants intended to retire and start receiving distributions from the plan. A target retirement portfolio’s asset allocation becomes more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase.
Plan-related recordkeeping services are provided by Transamerica Retirement Solutions Corporation ("Transamerica").
Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, N.Y Transamerica Retirement Solutions is an affiliate of TISC.
TRSC-6252 (03/14)
® 2014 Transamerica Retirement Solutions Corporation