1. Trans Select 5, 10, 20 SM Group Voluntary Term Life Insurance

2. Trans Select 5, 10, 20 SM Factors affecting employees’ life insurance needs Having a child Changes in marital status Buying a home Taking on debt Changing jobs Supporting aging parents Planning for college Planning for retirement

3. Trans Select 5, 10, 20 SM Importance of life insurance at the workplace Attract and retain good employees Convenience Individually owned - fully portable at the same rates Life Insurance options - term and permanent Preferred underwriting Family protection Smaller face amounts Living benefit riders

4. Trans Select 5, 10, 20 SM Trans Select is a voluntary group term life insurance is a non-participating 5, 10 or 20 year renewable, portable and convertible term product with level death benefits. Initial and renewal term periods may be selected for 5, 10 or 20 years. Current premiums are guaranteed for the first 5 policy years. We reserve the right to change premiums after the first 5 years on a class basis, however, premiums will never exceed maximum premiums guaranteed in the policy.

5. Trans Select 5, 10, 20 SM Affordable protection that allows employees to continue contributing in the employer’s retirement plan. Lower pricing allows employees to afford more death benefit protection. No medical examinations. Continuable so it offers the flexibility should the insured’s circumstances change.

6. Trans Select 5, 10, 20 SM Riders Included in Base Coverage Waiver for Layoff/Strike Provision Rider Accelerated Death Benefit for Terminal Illness Rider Child Term Rider (Employee Optional) Employer Optional Riders Waiver of Premium for Disability Rider AD&D Rider Accelerated Death Benefit for Long Term Care Rider Extension of Benefits for Long Term Care Rider Accelerated Death Benefit for Critical Care Rider

7. Trans Select 5, 10, 20 SM Issue Ages and Coverage Employee issue ages: 5 year term16 through 80 10 year term16 through 75 20 year term16 through 65 Spouse issue ages are 16 - 65 Child coverage will be available for dependents age 15 days through 25 in the form of a child term rider.

8. Trans Select 5, 10, 20 SM Face Amounts: o Minimum: $5,000, Maximum: 500,000. Payroll Premium Modes: o Weekly, Bi-weekly, Monthly, Semi-monthly, Ninthly, Tenthly, Quarterly and Semi-annually. Underwriting: o Guaranteed Issue available based on group size o Conditional Guaranteed Issue and Simplified Issue

9. Trans Select 5, 10, 20 SM Eligible Employees Minimum Participation Standard Maximum Issue Minimum Participation Standard Maximum Issue Minimum Participation Standard Maximum Issue 10 – 4910 Apps$25K5 Apps$75K2 Apps$500K 50 – 9920%$50K10%$100K5 Apps$500K 100 - 49920%$75K10%$125K5 Apps$500K 500 – 99915%$100K10%$150K5 Apps$500K 1,000 -5,00015%$125K10%$175K5 Apps$500K Guaranteed Issue Conditional Guaranteed IssueSimplified Issue

10. Trans Select 5, 10, 20 SM Face Amounts: o Minimum: $5,000, Maximum: 500,000. Payroll Premium Modes: o Weekly, Bi-weekly, Monthly, Semi-monthly, Ninthly, Tenthly, Quarterly and Semi-annually. Underwriting: o Guaranteed Issue available based on group size o Conditional Guaranteed Issue and Simplified Issue

11. Trans Select 5, 10, 20 SM Rates: Rates are age and tobacco-distinct. Product rate sheets may be accessed on the Transamerica website. Sample Monthly Rates 5 year Issue Ages Employee Only Non-Tobacco Trans Select $50,000 20 year10 year $13.67 $23.38 $46.08 35 45 55 $8.08 $13.58 $36.42 $10.42 $20.38 $37.17

12. Trans Select 5, 10, 20 SM Automatically renews at the end of the term period with a new current premium. Offers the feasibility of a guaranteed level rate for the first five years with premiums that are designed to remain the same for the term periods of 5, 10, or 20 years. Full portability at the same rate Option to convert to whole life policy

13. Trans Select 5, 10, 20 SM For more information or to obtain a proposal Contact a Regional Vice President or a Client Relationship Manager at 866-TRANSAMERICA Visit our Transamerica Employee Benefits website www.transamericaemployeebenefits.com

14. Product Proposals and Rates Dedicated Sales Proposal Team Available o Producer information o Name, address, city, state, zip and agent number. o Group information o Name, address, city, state, zip and SIC code and eligible lives o Products o Plan design and/or Riders of the products o Effective date o Takeover provisions o Provide census or current bill and current plan designs, effective dates, benefit amounts for underwriting review for takeovers. Normal turnaround is less than 24 hours with complete information

15. Trans Select 5, 10, 20 SM This is a brief summary of Trans Select 5, 10 & 20 SM Group Term Life coverage. Some of the features highlighted are subject to certain limitations and exclusions. Please refer to your policy and/or sales literature for costs and further details, including specific limitations and exclusions. Availability of benefits varies by jurisdiction. Refer to the contract for complete information.