Women and Investing A Made Simple Workshop For

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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, 0002 retirement plans in place • More than 675, 0002 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. ¹Transamerica 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. © 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/ © 2009 Transamerica Corporation. All rights reserved.

Women Today Women Have More Economic Clout • 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. com © 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. © 2009 Transamerica Corporation. All rights reserved.

Women Today Gender Differences: Saving for Retirement Item Women Median Contribution Rate As Percentage of Their Salary 6% 8% Expected Retirement Savings Need (Median) $500, 000 $1, 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% 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 © 2009 Transamerica Corporation. All rights reserved.

Women Today When it comes to addressing their financial concerns, women shared that: Retirement is their primary savings goal 58% They feel financially unprepared for retirement 79% They are not working with a financial advisor 73% They don’t have extra money to save 23% Paying off debt impacted saving for retirement 30% Data Source: 2007 Women & Investing Survey, The Oppenheimer Funds, Inc. © 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 © 2009 Transamerica Corporation. All rights reserved.

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

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

Components of a Sound Financial Plan Growing Your Investments • 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 Source: http: //naifa. org/consumer/ © 2009 Transamerica Corporation. All rights reserved.

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

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

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. gov © 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? © 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 $50, 000 $75, 000 $100, 000 Annual Retirement Income Goal $16, 000 $40, 000 $60, 000 $80, 000 Amount Needed at age 65* $194, 000 $689, 000 $1, 212, 000 $1, 750, 000 *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 © 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 © 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 © 2009 Transamerica Corporation. All rights reserved. Source: www. ssa. gov

Resources Government Resources Insurance Resources Long Term Care • • • • • • www. ed. gov www. sba. gov www. irs. gov www. ssa. gov www. nih. gov www. aoa. gov www. insure. com www. insweb. com www. iii. org www. term 4 sale. com www. Quotesmith. com www. ebix. com www. quickquote, com www. insurance. com © 2009 Transamerica Corporation. All rights reserved. www. elderweb. com www. aarp. org www. ncoa. org www. elderhostel. org www. eldercareadvocates. org www. ec-online. net www. eldercare. com

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 © 2009 Transamerica Corporation. All rights reserved.

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