1. © 2009 Transamerica Corporation. All rights reserved. Women and Investing A Made Simple Workshop TRS 4481-1105 07.2009 For educational use only.

2. © 2009 Transamerica Corporation. All rights reserved. Transamerica. Master Retirement. ® POWER CHOICE FREEDOM Provider of retirement plans and investment products for more than 70 years 1 More than $13.2 billion 2 in assets under management More than 15,000 2 retirement plans in place More than 675,000 2 retirement plan participants Transamerica Financial Life Insurance Company and Transamerica Life Insurance Company are affiliates of Diversified Investors Securities Corp. The Transamerica Advisor Series plan administration services are provided by Diversified Investment Advisors and funds are distributed by Diversified Investors Securities Corporation. Investors should consider the investment objectives, risks, and charges and expenses of the fund carefully before investing. The prospectus for each fund contains this and other information about that fund. For copies of any prospectuses, please call (800) 755-5803. Read each prospectus carefully before investing. ¹ Transamerica Retirement Services (“Transamerica”), a marketing unit of Transamerica Financial Life Insurance Company (“TFLIC”), 4 Manhattanville Road, Purchase, New York 10577, and Transamerica Life Insurance Company (“TLIC”), 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499, and other TFLIC and TLIC affiliates, specializes in the promotion of retirement plan products and services. TFLIC is not authorized and does not do business in the following jurisdictions: Guam, Puerto Rico, and the U.S. Virgin Islands. TLIC is not an authorized insurer in New York and does not do business in New York. 2 As of December 31, 2008.

3. © 2009 Transamerica Corporation. All rights reserved. Part I: Women Today Part II: Planning Your Finances Part III: Transamerica Can Help

4. © 2009 Transamerica Corporation. All rights reserved. Women Today Women Are Moving Up in the Workplace! Hold almost 50.8% of management and professional jobs Fifteen FORTUNE 500 companies are run by women, and 13 FORTUNE 1000 companies have women CEOs Own 10.1 million businesses that employ 13 million people and generate $1.9 trillion in sales Sources: http://www.bls.gov/cps/, http://www.catalyst.org/publication/322/women-ceos-of-the-fortune-1000, http://www.womensbusinessresearchcenter.org/research/keyfacts/http://www.bls.gov/cps/http://www.catalyst.org/publication/322/women-ceos-of-the-fortune-1000

5. © 2009 Transamerica Corporation. All rights reserved. Women Today Women control 60% of wealth in America Women are primary purchasing decision makers in 80% of households Women buy nearly half of all new cars Single women represent 21% of all first-time homebuyers Sources: National Foundation of Women Business Owners; The Trendsight Group; CNW Research, www.womanmotorist.com; National Association of Realtors, as cited on Business Women’s Network, www.bwni.comwww.bwni.com Women Have More Economic Clout

6. © 2009 Transamerica Corporation. All rights reserved. Women Today Women make up 51 percent of the U.S. population and earn 52 percent of the household income Women earn 74 cents on every dollar earned by men, at least in part due to time spent raising children or caring for parents Women earn less over their lifetimes, yet typically live 7 years longer Only 1 in 3 women ultimately retire with a pension Data Source: 2005 LIMRA International. How to market financial services to women.

7. © 2009 Transamerica Corporation. All rights reserved. Women Today Source: The 10 th Annual Transamerica Retirement Survey. This survey was conducted online within the United States by Harris Interactive on behalf of Transamerica Center for Retirement Studies® (“The Center”) between December 16, 2008 and January 13, 2009 among 3,466 full-time and part-time workers. No estimates of theoretical sampling error can be calculated; a full methodology is available. The Center is a non-profit corporation and private operating foundation. The Center is funded by contributions from Transamerica Life Insurance Company and its affiliates and may receive funds from unaffiliated third-parties ItemWomenMen Median Contribution Rate As Percentage of Their Salary 6%8% Expected Retirement Savings Need (Median) $500,000$1,000,000 Agree That They Are Very Involved In Monitoring and Managing Their Retirement Savings 51%68% Expect The U.S. Economy To Get Better In The Next 12 Months 19%26% Gender Differences: Saving for Retirement

8. © 2009 Transamerica Corporation. All rights reserved. Women Today When it comes to addressing their financial concerns, women shared that: Retirement is their primary savings goal58% They feel financially unprepared for retirement79% They are not working with a financial advisor73% They don’t have extra money to save23% Paying off debt impacted saving for retirement30% Data Source: 2007 Women & Investing Survey, The Oppenheimer Funds, Inc.

9. © 2009 Transamerica Corporation. All rights reserved. Part II: Planning Your Finances

10. © 2009 Transamerica Corporation. All rights reserved. Start Preparing with a Financial Plan Set and prioritize goals Evaluate your current financial situation Develop a plan of action to meet your goals Implement your plan Monitor your progress on a regular basis Be willing to modify your plan

11. © 2009 Transamerica Corporation. All rights reserved. Components of a Sound Financial Plan Guarding Against Uncertainty Growing Your Investments Source: http://naifa.org/consumer/ Managing Your Retirement and Estate

12. © 2009 Transamerica Corporation. All rights reserved. Components of a Sound Financial Plan Guarding Against Uncertainty Source: http://naifa.org/consumer/ “Rainy Day” Fund – Do you have one? Insurance Planning – Do you have enough? Budgeting – Do you know where your money goes?

13. © 2009 Transamerica Corporation. All rights reserved. Components of a Sound Financial Plan Retirement Planning – Save for the future Investment Planning – Where to put your money – What return to expect – What return do you need – Why your selecting an investment Growing Your Investments Source: http://naifa.org/consumer/

14. © 2009 Transamerica Corporation. All rights reserved. Components of a Sound Financial Plan Estate Planning – Who will get what? Tax Planning – Know where your taxes go? Insurance Planning – Do you have enough? Managing Your Retirement and Estate Source: http://naifa.org/consumer/

15. © 2009 Transamerica Corporation. All rights reserved. Investment Types or Asset Classes Stocks Bonds Cash equivalents/Money Markets

16. © 2009 Transamerica Corporation. All rights reserved. The Secrets to Smart Investing Don’t invest in things you don’t understand Don’t invest everything, keep at least 3-6 month of living expenses in ready cash Don’t chase returns, invest automatically, and take advantage of dollar-cost averaging Understand financial risk vs. reward Don’t stop learning and research before your invest

17. © 2009 Transamerica Corporation. All rights reserved. The Secrets to Smart Investing Allocate your assets across different types of investments (asset classes) Diversify your holdings within each asset class Adjust your mix as your needs change over your lifetime Short-Term Bonds Aggressive Bonds Large-Cap Stocks Small/Mid-Cap Stocks International Stocks Intermediate/Long- Term Bonds

18. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: Plan to be a Provider More women are choosing not to marry Roughly 50% of marriages end in a divorce More than 18% of families are headed by single mothers Every women should plan for financial independence Source: www.cdc.govwww.cdc.gov

19. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: Setting Goals To plan for a more secure retirement, you need to know the answers to these important questions: How much retirement income will I need? How much money should I save each pay period? What rate of return do I need? What investments should I choose?

20. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: What you will need… Retirement experts estimate that you may need from 77% to 94% of your preretirement income to maintain a preretirement lifestyle. Annual Salary at age 45 $ 20,000$16,000$194,000 $50,000$40,000$689,000 $75,000$60,000$1,212,000 $100,000$80,000$1,750,000 Annual Retirement Income Goal Amount Needed at age 65* *Hypothetical example assumes annual retirement income will be 80% of current annual salary, adjusted for 3% annual inflation and will include estimated Social Security benefits. If Social Security benefits amounts were to decline, you would need to save more. The Total Retirement Savings Goal (TRSG) is the amount needed at age 65 to provide this retirement income for 25 years of retirement, less Social Security benefits. This TRSG amount is shown in future dollars (future value), is adjusted for 3% inflation and is rounded to the nearest $1,000. The calculations also assume a constant 5.75% annual rate of return on unused account balances during retirement, and an exhausted account balance at the end of retirement. It is unlikely that any investments would have such consistent returns. The chart above does not reflect the actual return of any specific investment and is not intended to imply or guarantee future results. Retirement age is assumed to be age 65 and life expectancy age 90. Aon Consulting, 2008 Replacement Ratio Study. TM

21. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: Know Your Social Security Benefits Generally women may earn less, so they receive less Social Security Women leave the work force between 11-14.5 years to raise children and/or take care of family members For June 2009, the average monthly Social Security income received by women 65 years and older was $1,005.96, compared to $1,305.78 for men. It is possible you may be taxed up to 85% on your Social Security Source : www.ssa.gov www.ssa.gov

22. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: Know Your Social Security Benefits For 2009 The average estimated Social Security Benefit is $1,153 per month The average estimate for a widow is $1,112 per month The maximum benefit is $2,323 per month To qualify for the maximum benefit, you must have worked at the top of the taxable wage scale most of your career Source: www.ssa.govwww.ssa.gov

23. © 2009 Transamerica Corporation. All rights reserved. Preparing For Retirement: Start Early

24. © 2009 Transamerica Corporation. All rights reserved. Resources Government Resources www.ed.gov www.sba.gov www.irs.gov www.ssa.gov www.nih.gov www.aoa.gov Insurance Resources www.insure.com www.insweb.com www.iii.org www.term4sale.com www.Quotesmith.com www.ebix.com www.quickquote,com www.insurance.com Long Term Care www.elderweb.com www.aarp.org www.ncoa.org www.elderhostel.org www.eldercareadvocates.org www.ec-online.net www.eldercare.com

25. © 2009 Transamerica Corporation. All rights reserved. Part III Transamerica Is Here To Help

26. © 2009 Transamerica Corporation. All rights reserved. Your Transamerica Enrollment Kit

27. © 2009 Transamerica Corporation. All rights reserved. www.TA-Retirement.com

28. © 2009 Transamerica Corporation. All rights reserved. Transamerica’s “Made Simple Series” Here’s a list of our educational seminars: Enrollment Made Simple Investments Made Simple The Economy Made Simple Tools & Resources Made Simple 401(k) Made Simple Women & Investing Roth 401(k) Made Simple Preretirement Planning Made Simple The RECOVER Plan Made Simple

29. © 2009 Transamerica Corporation. All rights reserved. The Transamerica Difference Convenient services help you manage your account: One-on-one: Service Specialist 800-401-TRAN (8726) Through the mail: Quarterly statements and newsletters On the Web: Transamerica Retirement Services Online – www.TA-Retirement.com Over the phone: TransDirect® 800-401-TRAN (8726)

30. © 2009 Transamerica Corporation. All rights reserved. Thank You! TRS 4481-1105 05.22.08