Retire OnTrack. Get OnTrack. Stay OnTrack. Retire OnTrack. Seminars and Webinars: Education for every step along the road to retirement

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1 Brighten Your Plan Outlook Retire OnTrack Seminars and Webinars: Education for every step along the road to retirement Get OnTrack SM Stay OnTrack SM Retire OnTrack Plan sponsor and financial professional use only. Not for public distribution.

2 Our education program is designed to help your employees Get OnTrack SM by making it easy for them to join your retirement plan. We then help your employees Stay OnTrack SM by offering simple ways to save more, invest wisely, and make changes as needed. Ultimately, we ll help them Retire OnTrack by guiding them through critical decision points as they approach retirement. Plan sponsor and financial professional use only. Not for public distribution.

3 As part of Transamerica s mission to help your employees Get OnTrack, Stay OnTrack, and Retire OnTrack, we ve developed an extensive library of educational presentations that will guide them through every stage of retirement planning. We strive to make these sessions as engaging and interactive as possible, so your employees will walk away with clearly defined next steps to improve their retirement forecast. These presentations can be offered in a variety of formats and lengths. From in-person seminars to live or recorded webinars, we understand that convenience is king and we want to make it as easy as possible for your employees to attend any presentation of their choosing. Plan sponsor and financial professional use only. Not for public distribution. 1

4 Get OnTrack SM Transition with Ease Introduces employees to their new retirement plan Audience: All eligible employees at organizations new to Transamerica Reviews transition details (e.g., account balance transfers and contribution rates) and actions needed Highlights plan features, tools, and resources available, including Managed Advice if applicable Join the Plan Encourages non-participants to enroll Audience: All eligible employees that have not yet enrolled in the plan Discusses benefits of enrolling in the plan Shows how easy it is to get started Debunks common excuses for not saving Outlines investment options Your Retirement Outlook SM * Hands-on tutorial of plan s website and tools Audience: All participants enrolled in the plan who have not established Your Retirement Outlook All attendees will be encouraged to bring a smartphone, tablet, or laptop to this workshop. Walks participants through the OnTrack online tool in order to establish Your Retirement Outlook Gives tips on how to use the tool to Brighten Your Outlook Important: The projections or other information generated by the OnTrack tool (which produces Your Retirement Outlook SM ) 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. *Available in Q Plan sponsor and financial professional use only. Not for public distribution.

5 Brighten Your Plan Outlook Stay OnTrack SM Be a Super Saver Motivates participants to boost their savings Audience: All participants enrolled in the plan who could be (or should be) saving more Encourages participants to set realistic savings goals in order to have a comfortable retirement Provides tips on how to reach their savings goals Explains how Transamerica can help Budgeting: The Power of Change Offers a new perspective on how we spend Audience: All participants enrolled in the plan who want tips about managing their finances Encourages participants to make and follow a budget Explains the differences between discretionary and essential expenses Includes two easy-to-use budgeting worksheets It s Not Too Late Gives fresh ideas for how to prepare for retirement Audience: Participants age 50+, who are not confident they will be able to retire comfortably Identifies common methods of saving more, such as increasing contribution rates and decreasing discretionary spending Presents out-of-the-box ideas, e.g., moving to a less expensive city or state, working part-time in retirement, downsizing their home Managed Advice : See the Possibilities Introduces Managed Advice a total retirement solution Audience: All participants enrolled in a plan with the Managed Advice solution as an option Demonstrates the enhanced participant experience Shows participants how to subscribe Investing 101: Retirement Planning Essentials Provides useful information for retirement savings Audience: All participants enrolled in the plan seeking to learn more about investing Highlights the importance of taking a long-term approach Describes key concepts, e.g., diversification, risk tolerance, and rebalancing Asks participants: would they want to select their own investments or would they want more help? Women & Retirement* Takes a closer look at women and their finances Audience: All participants enrolled in the plan, focusing on women Identifies unique challenges women face in the workforce Uses data to emphasize the gravity of the situation for many women today Encourages women to use the tools and resources available in their plan *Available in Q Plan sponsor and financial professional use only. Not for public distribution. 3

6 Retire OnTrack Get Ready to Retire Outlines critical decision-points as retirement approaches Audience: Participants age 55+ (ideally within five years of retirement) Introduces the five key areas of retirement: Lifestyle, Investments, Health Care, Legacy, and Income Helps participants make educated decisions about each of these areas Guides participants to contact our retirement counselor team for free planning assistance Social Security Answers frequently asked questions about this complex topic Audience: Participants age 55+ (ideally within five years of retirement) Discusses steps toward maximizing this important benefit Describes how Social Security will fit into their retirement income strategy Provides clear next steps for those ready to file Health Care in Retirement Explains options for health insurance in retirement Audience: Participants age 55+ (ideally within five years of retirement) Teaches the A, B, C, and Ds of Medicare Outlines extra considerations for those planning to retire before age 65 Directs participants to resources for additional help Estate Planning* Provides a starting-point for an important conversation Audience: Participants age 55+ (ideally within five years of retirement) Discusses how participants should protect the financial assets they ve spent a lifetime building Identifies five elements in estate planning Offers guides for getting organized and next steps *Available Q Plan sponsor and financial professional use only. Not for public distribution.

7 Brighten Your Plan Outlook All presentations are supported with several communication pieces, such as invitations, posters, postcards, and follow-along guides. RSVPs can be gathered by either the plan sponsor or by our Appointment Plus online scheduling tool. Presentations Posters Invitations From: Subject: Simple steps today s goals The ABC Savings Plan You re invited... To view in your browser, click here to help secure your ABC Retirement Savings Plan financial future Simple steps to help secure your financial future Benefits of budgeting Current spending habits An invitation... Strategies for following a budget Brighten Your Outlook How Transamerica can help The best part: It s easy! You re invited to a special presentation from Transamerica Retirement Solutions to learn: 1 About the benefits of joining your retirement plan. Budgeting: The Power of Change How to set smart goals and choose the right investments for you. The simple steps you can take to get started! Day, Date, Year Start Time End Time Location Brighten Your Outlook The best part: It s easy! Follow-Along Guides follow along Attend a special presentation from Transamerica Retirement Solutions and learn: About the benefits of joining your retirement plan. How to set smart goals and choose the right investments for you. The simple steps you can take to get started! RSVP by contacting [Name] at [Phone number or address]. Space is limited, so please RSVP by [deadline]. embed link Day, Date, Year Start Time End Time Location Access the online scheduling tool to sign up for either group or one-on-one meetings today. The role of the retirement planning consultant is to assist you with your savings and investment plan. There are no fees or commissions for meeting with your retirement planning consultant, who is a registered representative with Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY [Client Name] has selected Transamerica Retirement Solutions as your retirement plan provider, but there are no other affiliations between [Client Name] and Transamerica or its affiliate, TISC PT_E_[Client Initial] (08/14) RSVP by contacting [Name] at [Phone number or address]. Space is limited, so please RSVP by [deadline]. Access the online scheduling tool at the link below to sign up for either group or one-on-one meetings today. Jot down your notes and ideas 4333 Edgewood Road NE, Cedar Rapids, IA How my plan makes it easy to save: My tools and resources: My investment choices: How my plan helps me stay on course: 2014 Transamerica Retirement Solutions Corporation The role of the retirement planning consultant is to assist you with your savings and investment plan. There are no fees or commissions for meeting with your retirement planning consultant, who is a registered representative with TISC. Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY [Client Name] has selected Transamerica Retirement Solutions as your retirement plan provider, but there are no other affiliations between [Client Name] and Transamerica or its affiliate, TISC. If you no longer want to receive these s, click here to unsubscribe. Please do not reply to this . [ABC Organization Retirement Savings Plan] PT_P_[CLIENT INITIALS] (08/14) 2014 Transamerica Retirement Solutions Corporation Postcards take action Simple steps to help secure your It s easy! Enroll and manage your account at [my.trsretire.com]. Set your savings goals. [ Try to contribute at least enough to earn the full match, then aim for 10% or even the plan maximum.] [ Try to contribute at least 5% of pay, then aim for 10% or even the plan maximum.] Increase your savings rate regularly. [ Sign up for auto-increase at [my.trsretire.com].] [ Mark your calendar for your annual (contribution) raise!] Establish Your Retirement OutlookSM. Consider consolidating your accounts. Call or consolidate@transamerica.com to learn more. Take advantage of expert support. By phone: [ ] [or] [ ] My next steps: [Matching contributions are subject to plan vesting requirements. Descriptions of plan features and benefits are subject to the plan document, which will govern in the event of any inconsistencies.] [You should evaluate your ability to continue the auto-increase service in the event of a prolonged market decline, unexpected expenses, or an unforeseeable emergency.] 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. Securities offered through Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY [Client Name] has selected Transamerica Retirement Solutions as your retirement plan provider, but there are no other affiliations between [Client Name] and Transamerica or its affiliate, TISC. financial future An invitation... Brighten Your Outlook [ABC Organization Retirement Savings Plan] Simple steps to help secure your financial future To schedule your seminar or webinar, contact your Transamerica representative. An invitation... Brighten Your Outlook [ABC Organization Retirement Savings Plan] Plan sponsor and financial professional use only. Not for public distribution. 5

8 Brighten Your Plan Outlook Managed Advice provides a participant with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced to become more conservative over time as the participant approaches a designated retirement year. Additional fees and terms and conditions apply to the Managed Advice service. 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. 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. Nothing presented in the seminars and webinars should be construed as a recommendation to purchase or sell a particular investment or to follow any investment technique or strategy. The information is intended solely to provide general summary information and is not intended to serve as legal or tax advice applicable to certain matters or situations. For legal or tax advice concerning your situation, please consult your attorney or professional tax advisor. Securities are offered through Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY The Managed Advice service is offered through Transamerica Retirement Advisors, Inc. (TRA), registered investment advisor. Transamerica Retirement Solutions, TISC, and TRA are affiliated companies. 440 Mamaroneck Avenue, Harrison, NY trsretire.com PS_B (07/15) 2015 Transamerica Retirement Solutions Corporation Plan sponsor and financial professional use only. Not for public distribution.

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