Asset Allocation Program 2 nd Quarter Model Changes

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1 Conservative You have elected to participate in the Asset Allocation Program and have selected the Conservative Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the Conservative Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. Conservative 19% 19% 5% 5% 75% 75% US Stocks 19% US Stocks 19% Transamerica Barrow Hanley Dividend Focused VP Transamerica Barrow Hanley Dividend Focused VP BlackRock Basic Value V.I. Fund BlackRock Basic Value V.I. Fund BlackRock Capital Appreciation V.I. Fund BlackRock Capital Appreciation V.I. Fund Dreyfus VIF Appreciation Portfolio Dreyfus VIF Appreciation Portfolio Invesco V.I. Comstock Fund 3% Invesco V.I. Comstock Fund 3% Transamerica Morgan Stanley Mid-Cap Growth VP Transamerica Morgan Stanley Mid-Cap Growth VP Transamerica Systematic Small/Mid Cap Value VP 3% Transamerica Systematic Small/Mid Cap Value VP 3% Transamerica WMC US Growth VP 3% Transamerica WMC US Growth VP 3% Wanger USA Wanger USA Non-US Stocks 5% Non-US Stocks 5% American Funds-AFIS International Fund 3% American Funds-AFIS International Fund 3% Wanger International Wanger International Bonds 75% Bonds 75% BlackRock High Yield V.I. Fund 8% BlackRock High Yield V.I. Fund 8% PIMCO Low Duration Portfolio 19% PIMCO Low Duration Portfolio 19% PIMCO Real Return Portfolio 1 PIMCO Real Return Portfolio 1 PIMCO Total Return Portfolio 36% PIMCO Total Return Portfolio 36% BlackRock Global Allocation V.I. Fund 0% BlackRock Global Allocation V.I. Fund 0% Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA. VICMLC0215 Code:

2 Moderately Conservative You have elected to participate in the Asset Allocation Program and have selected the Moderately Conservative Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the Moderately Conservative Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. Moderately Conservative 60% 9% 60% 9% US Stocks Transamerica Barrow Hanley Dividend Focused VP 4% BlackRock Basic Value V.I. Fund 3% BlackRock Capital Appreciation V.I. Fund 3% Invesco V.I. Comstock Fund 4% Transamerica Morgan Stanley Mid-Cap Growth VP 3% Transamerica Systematic Small/Mid Cap Value VP 5% Transamerica WMC US Growth VP 5% Wanger USA Non-US Stocks 9% American Funds-AFIS International Fund 6% Wanger International 3% Bonds 60% BlackRock High Yield V.I. Fund 6% PIMCO VIT Low Duration Portfolio 15% PIMCO VIT Real Return Portfolio 10% PIMCO VIT Total Return Portfolio 29% US Stocks Transamerica Barrow Hanley Dividend Focused VP 4% BlackRock Basic Value V.I. Fund 3% BlackRock Capital Appreciation V.I. Fund 3% Invesco V.I. Comstock Fund 4% Transamerica Morgan Stanley Mid-Cap Growth VP 3% Transamerica Systematic Small/Mid Cap Value VP 5% Transamerica WMC US Growth VP 5% Wanger USA Non-US Stocks 9% American Funds-AFIS International Fund 6% Wanger International 3% Bonds 60% BlackRock High Yield V.I. Fund 6% PIMCO VIT Low Duration Portfolio 15% PIMCO VIT Real Return Portfolio 10% PIMCO VIT Total Return Portfolio 29% Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA. VICMLMC0215 Code:

3 Moderate You have elected to participate in the Asset Allocation Program and have selected the Moderate Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the Moderate Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. Moderate 40% 44% 40% 44% 14% 14% US Stocks 44% Transamerica Barrow Hanley Dividend Focused VP 5% BlackRock Basic Value V.I. Fund 5% BlackRock Capital Appreciation V.I. Fund 5% Dreyfus VIF Appreciation Portfolio 3% Transamerica Morgan Stanley Mid-Cap Growth VP 4% Transamerica WMC US Growth VP 7% Non-US Stocks 14% American Funds-AFIS International Fund 9% Wanger International 5% Bonds 40% BlackRock High Yield V.I. Fund 4% PIMCO VIT Low Duration Portfolio 10% PIMCO VIT Real Return Portfolio 6% PIMCO VIT Total Return Portfolio US Stocks 44% Transamerica Barrow Hanley Dividend Focused VP 5% BlackRock Basic Value V.I. Fund 5% BlackRock Capital Appreciation V.I. Fund 5% Dreyfus VIF Appreciation Portfolio 3% Transamerica Morgan Stanley Mid-Cap Growth VP 4% Transamerica WMC US Growth VP 7% Non-US Stocks 14% American Funds-AFIS International Fund 9% Wanger International 5% Bonds 40% BlackRock High Yield V.I. Fund 4% PIMCO VIT Low Duration Portfolio 10% PIMCO VIT Real Return Portfolio 6% PIMCO VIT Total Return Portfolio Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA. VICMLM0215 Code:

4 Moderately Aggressive You have elected to participate in the Asset Allocation Program and have selected the Moderately Aggressive Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the Moderately Aggressive Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. Moderately Aggressive 48% 48% US Stocks 48% Non-US Stocks American Funds-AFIS International Fund 14% Wanger International 6% Bonds BlackRock High Yield V.I. Fund 3% PIMCO VIT Low Duration Portfolio 8% PIMCO VIT Real Return Portfolio 5% PIMCO VIT Total Return Portfolio 14% US Stocks 48% Non-US Stocks American Funds-AFIS International Fund 14% Wanger International 6% Bonds BlackRock High Yield V.I. Fund 3% PIMCO VIT Low Duration Portfolio 8% PIMCO VIT Real Return Portfolio 5% PIMCO VIT Total Return Portfolio 14% Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA. VICMLMA0215 Code:

5 Aggressive You have elected to participate in the Asset Allocation Program and have selected the Aggressive Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the Aggressive Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. Aggressive 4% 4% 24% 5 24% 5 US Stocks 5 Transamerica Systematic Small/Mid Cap Value VP 8% Non-US Stocks 24% American Funds-AFIS International Fund 16% Wanger International 8% Bonds BlackRock High Yield V.I. Fund PIMCO VIT Low Duration Portfolio 5% PIMCOVIT Real Return Portfolio 3% PIMCO VIT Total Return Portfolio 10% 4% BlackRock Global Allocation V.I. Fund PIMCO CommodityRealReturn Strategy Portfolio US Stocks 5 Transamerica Systematic Small/Mid Cap Value VP 8% Non-US Stocks 24% American Funds-AFIS International Fund 16% Wanger International 8% Bonds BlackRock High Yield V.I. Fund PIMCO VIT Low Duration Portfolio 5% PIMCO VIT Real Return Portfolio 3% PIMCO VIT Total Return Portfolio 10% 4% BlackRock Global Allocation V.I. Fund PIMCO CommodityRealReturn Strategy Portfolio Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA.. VICMLA0215 Code:

6 All Equity Plus You have elected to participate in the Asset Allocation Program and have selected the All Equity Plus Model. Under the Asset Allocation Program, the investment advisor for the program, Transamerica Asset Management, Inc. (TAM), reviews the composition of each model on a quarterly basis and may make adjustments in the composition of the model. The composition of the All Equity Plus Model before and after the adjustments, which will be effective on April 1, 2015, is shown below. All Equity Plus 6% 6% 64% 64% US Stocks 64% Transamerica Barrow Hanley Dividend Focused VP 8% BlackRock Basic Value V.I. Fund 7% BlackRock Capital Appreciation V.I. Fund 8% Invesco V.I. Comstock Fund 8% Transamerica Morgan Stanley Mid-Cap Growth VP 6% Transamerica Systematic Small/Mid Cap Value VP 10% Transamerica WMC US Growth VP 10% Non-US Stocks American Funds-AFIS International Fund Wanger International 10% Bonds 0% 6% BlackRock Global Allocation VI Fund PIMCO CommodityRealReturn Strategy Portfolio 4% US Stocks 64% Transamerica Barrow Hanley Dividend Focused VP 8% BlackRock Basic Value V.I. Fund 7% BlackRock Capital Appreciation V.I. Fund 8% Invesco V.I. Comstock Fund 8% Transamerica Morgan Stanley Mid-Cap Growth VP 6% Transamerica Systematic Small/Mid Cap Value VP 10% Transamerica WMC US Growth VP 10% Non-US Stocks American Funds-AFIS International Fund Wanger International 10% Bonds 0% 6% BlackRock Global Allocation VI Fund PIMCO CommodityRealReturn Strategy Portfolio 4% Investor Choice Annuity is a registered service mark of & Co. Inc., under license to Aegon USA. VICMLE0215 Code: