About Probability Illustrations, Limitations, and Key Assumptions

The probability illustrations the OnTrack^® tool generates are based on “Monte Carlo” simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The illustrations are generated according to models developed by Ibbotson Associates, a leading independent provider of asset allocation, analytical, and wealth forecasting software. The Your Retirement Outlook^SM graphic reflects the difference between the model’s estimated annual income (which corresponds to a 70% probability of achieving your income goal in the investment scenarios simulated) and your annual income goal.

When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Ibbotson’s capital market assumptions developed using historical and forward-looking data. Current assets are assigned to asset classes based on Morningstar categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. The historical and forward-looking benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually; these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot invest directly in an index

Lower Risk/ Volatility		Asset Class Cash Short-Term Bonds TIPS Aggregate Bonds Long-Term Bonds High-Yield Bonds International Bonds Large-Cap Stocks Mid-Cap Stocks Small/Mid-Cap Stocks Small-Cap Stocks REITs International Stocks Emerging Markets Commodities	Forward-Looking Benchmark Citigroup 3-Month Treasury Bill Barclays U.S. Treasury 1-3 Yr Term Index Barclays Capital U.S. Treasury: U.S. TIPS Barclays Capital U.S. Aggregate Index Barclays Capital U.S. Long Credit A Index Barclays Capital U.S. Corporate High Yield Index Citigroup WGBI Russell 1000® Index Russell Midcap Index Russell 2500® Index Russell 2000® Index FTSE NAREIT Equity REITs MSCI EAFE Index MSCI Emerging Markets Index DJ-UBSCISM	Historical Benchmark Ibbotson SBBI T-Bill Index Ibbotson 2 Yr Treasury Index Ibbotson TIPS Index Barclays Capital U.S. Aggregate Index Ibbotson 25 Year Treasury Index Ibbotson High Yield Index Ibbotson Global Bond Composite CRSP Declines Index CRSP Declines Index CRSP Declines Index CRSP Declines Index FTSE NAREIT Equity REITs MSCI EAFE Index Ibbotson Emerging Market Composite S&P GSCI Commodity Sector Indices
Higher Risk/ Volatility

Unless you choose otherwise or your employer supplies different information, the probability illustrations assume retirement at the age at which you qualify for full Social Security benefits and an annual retirement income goal of 80% of your projected final working salary. Social Security estimates are based on the Social Security Administration methodology and your current salary. The probability illustrations also assume a consistent contribution percentage (unless you've chosen to periodically increase it) and asset allocation (no future changes or rebalancing), annual inflation of approximately 2%, and annual salary increases based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality assumptions are based on the Society of Actuaries tables.

The models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the models. Some asset classes have relatively limited histories; for these classes the models use historical data for shorter time periods. The model does not consider other asset classes such as hedge funds or private equity, which may have characteristics similar or superior to those used in the model.

There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results derived from the OnTrack^® tool may vary with each use and over time.

IMPORTANT: The projections or other information generated by the OnTrack^® tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Moreover, even though the tool's estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or account for every possible scenario that may negatively impact your financial situation. Thus you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider.

Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. TISC and Transamerica Retirement Solutions are affiliated companies.