Transamerica Stable Value Account

 Investment Option Profile
Cash Equivalents -- Stable Value

INVESTMENT OBJECTIVE

To protect against loss of principal while providing returns in excess of money market funds and one-year Treasury bills.
INVESTMENT ADVISOR

INVESTMENT DESCRIPTION

Best suited for investors seeking a stable return and safety of principal. The Stable Value Fund has a portfolio investment rate design in which all deposits are credited with the same interest rate, credited on a daily basis, and there is no set maturity. The effective credited interest rate is set monthly and effective on the first day of the month. Contract charges may reduce this return. Deposits to this account are invested in Transamerica Financial Life Insurance Company's (TFLIC) general account.
RISK/RETURN

Because the interest rate is guaranteed for a specific period of time by TFLIC, whose claims paying ability is highly rated, the account carries a low amount of risk.
CHARGES FEES AND EXPENSES
 
Performance shown for the Transamerica Stable Value Account is the annual effective credited rate for the period shown. Application of the contract asset charge and any discontinuance charges or service fees deducted from an account would reduce a participants return. The Transamerica Stable Value Account is available under contract form number TA-AP-2001-CONT, a group variable annuity contract issued by Transamerica Financial Life Insurance Company ("TFLIC"), 440 Mamaroneck Avenue, Harrison, New York 10528. TFLIC is not authorized and does not do business in the following jurisdictions: Guam, Puerto Rico, and the U.S. Virgin Islands. The Transamerica Stable Value Account is an investment choice backed by the general account of TFLIC. The assets in the general account are supported by the financial stability of TFLIC. While TFLIC declares interest rates and backs the principal and interest of this investment choice, any guarantees are subject to the claims paying ability of the insurance company. This account is not guaranteed by the FDIC or any other government agency. Although plan participants generally may withdraw assets from the Stable Value investment choice without restrictions, a hold can apply on the plan's assets in a Stable Value investment choice. If a plan sponsor wishes to remove a Transamerica Stable Value investment choice as an option from the plan, then depending on the contract, TFLIC may impose a hold for up to a 270-day period on the Stable Value investment choice assets at the plan level if the most recently announced upcoming credited rate has increased or has not changed. Transamerica will provide at least 45 days advance notice of any interest rate change for each semi-annual period. Additionally, under limited circumstances, Transamerica may impose up to a 12-month delay period on all withdrawal requests from all plan sponsors at the plan level.